Insurance 面试题与答案
问题 6. Explain the concept of subrogation in insurance claims.
Subrogation allows the insurance company to pursue a third party to recover expenses it paid to the policyholder.
Example:
If your car is damaged by someone else's negligence, and your insurance pays for repairs, your insurance company may subrogate against the at-fault driver to recover its costs.
问题 7. What is an insurance premium, and how is it determined?
An insurance premium is the amount a policyholder pays for coverage. It's determined based on factors like risk, coverage amount, and the insured's characteristics.
Example:
A person with a high-risk occupation may pay a higher premium for disability insurance than someone with a lower-risk job.
问题 8. How do insurance companies assess risk in the underwriting process?
Insurance companies use various factors such as age, health, occupation, and lifestyle to evaluate the likelihood of a claim.
Example:
If someone applies for life insurance and has a history of serious health issues, the insurer may consider them a higher risk and charge higher premiums.
问题 9. What is the difference between liability insurance and comprehensive insurance in auto coverage?
Liability insurance covers damage and injuries you cause to others, while comprehensive insurance covers damage to your vehicle from non-collision events like theft or natural disasters.
Example:
If you rear-end another car, your liability insurance would cover the damage to the other vehicle, while comprehensive insurance might cover a tree falling on your car.
问题 10. Explain the purpose of an insurance adjuster in the claims process.
An insurance adjuster assesses the extent of a loss, investigates claims, and determines the amount the insurance company will pay.
Example:
After a house fire, an adjuster examines the damage, reviews the policy, and works with the homeowner to settle the claim.
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