CII 820 Practice Questions - Advanced Claims (820) Exam

Claims handling must be structured to deliver good outcomes for retail customers, avoiding unreasonable delays, burdensome processes, or unjust barriers to valid claims. Claims must be paid immediately upon notification without verifying policy cover or investigating potential non-disclosure. Claims handlers must prioritize insurer operational cost reduction over the fair treatment of policyholders. Claims handling rules apply strictly to commercial corporate risks while completely exempting retail motor and home insurance.