Digital Tools & Software Flashcards
7 cards from real CA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Digital Tools & Software flashcards as text
What does 'STP' (Straight-Through Processing) mean in the context of digital claims handling?
Answer: A claim is automatically processed and settled without human intervention using predefined rules
STP allows low-complexity claims that meet set criteria to be evaluated, approved, and paid entirely by automated systems without an adjuster touching the file.
A carrier deploys predictive analytics in its claims platform. What is the primary benefit for adjusters?
Answer: Early identification of claims likely to become complex, costly, or litigated so resources can be prioritized
Predictive analytics scores incoming claims using historical data patterns, flagging high-risk files early so adjusters can allocate attention before costs escalate.
When using Xactimate's sketch tool, what does the adjuster create to support a structure claim estimate?
Answer: A floor plan diagram with room dimensions that drives material quantity calculations automatically
Xactimate's sketch tool lets adjusters draw floor plans to scale so the software can automatically calculate square footage and drive line-item material quantities.
Which digital feature helps an adjuster ensure that a settlement release document complies with jurisdiction-specific legal language requirements?
Answer: Template management with state-specific language libraries within the claims system
Template libraries with jurisdiction-specific language ensure that releases and other legal documents automatically include required wording for each state.
What is the purpose of a digital catastrophe (CAT) portal in claims management?
Answer: To coordinate mass claim intake, adjuster deployment, and real-time reporting during a large-scale loss event
A CAT portal centralizes all activity during a disaster response, allowing carriers to track claim volume, deploy resources, and monitor closure rates in real time.
An adjuster uses a virtual desktop infrastructure (VDI) to access the claims system from a personal laptop. What is the main security advantage of VDI?
Answer: No sensitive claims data is stored on the local device; all processing occurs on a secure remote server
VDI keeps all data and applications on a controlled server, so a lost or stolen personal device does not expose any policyholder or claims information.
Which metric is most commonly tracked in a claims management system dashboard to measure adjuster productivity?
Answer: Average cycle time from first notice of loss to claim closure
Cycle time — the days elapsed from opening to closing a claim — is the primary efficiency metric used to evaluate individual adjuster performance in most CMS dashboards.