Ken covered the answers (they're all fine and do the same thing, the last one is how the language is designed to be used really, nice and neat!) but I wanted to touch on your actual data model.
First, you say you need to check that an AnswerImageData's url isn't null. But the only reason it could be null, is because you've explicitly made it nullable, with a String? type. Is an AnswerImageData with a null url ever valid? Or does it always need to have one? I'm guessing it does, and I'm guessing it always needs an id too - so just make them non-null!
data class AnswerImageData(
val id: String,
val url: String
)
Now all your AnswerImageData objects are guaranteed to have non-null values - they're all valid in that sense, it's baked into your design. So you don't need to null check them anymore!
And the same goes for your other classes - can you have an AnswerImage with null values? This might be a trickier one, let's assume there needs to always be at least one AnswerImageData in an AnswerImage - in which case you can make the first non-null, and the others optional:
data class AnswerImage(
val x0: AnswerImageData,
val x1: AnswerImageData?,
val x2: AnswerImageData?
)
This isn't necessarily the best way to do this - I'd personally prefer a vararg parameter, or some kind of collection, so you can have an arbitrary number of AnswerImageDatas and do operations like .first(predicate) to loop over them all easily. But if you want exactly three slots, three parameters is a way to do it!
Same goes for Answer - I'm guessing that requires an id, title and answerImage - if so, don't let them be null. Enforce that valid structure through your types, it'll make your life a lot easier! And so will avoiding nullable types unless you actually need them!
I don't know if that applies to what you're doing, but it probably does, so it's worth mentioning. (This kind of thing is called *Domain-Driven Design if you want to look into it - basically enforcing the rules and structure of your business logic through the way you design your code, your types, your objects etc.)