As an Independent Insurance Claims Adjuster, having a diverse range of skills can be highly beneficial in securing work year-round.

 

One of those essential skills is being able to handle auto claims. Auto claims can be complex and unique depending on the accident, but learning to handle them will be beneficial to any adjuster.

The process of handling auto damage claims usually starts with inspecting the vehicle and scoping out the damages, relying heavily on photographs to accurately evaluate the level of impairment. Depending on the type of claim, the adjuster may need to determine whether the vehicle can be repaired or needs to be replaced entirely. The adjuster will then negotiate with repair shops, vendors, and other relevant parties to settle the claim as quickly and efficiently as possible.

Dealing with auto claims also requires an awareness of the various individuals involved in the claim. This includes the parties involved in the car accident, such as the drivers and passengers, witnesses, police officers, and medical personnel. It is essential to consider the legal consequences of the accident as well, such as determining the documentation to support legal claims and settlements.

It may surprise you that one common reason for auto claims is because of hail storm damage. Hail storms can cause a great deal of harm to cars and can be more challenging to scope than a collision. When inspecting hail damage, we need to consider the depth of the dents and the affected area on the car. Although damage may appear on the surface to be little, it can take dent repair shops hours or even days to fix. Excessive impairment due to a hail storm can cause the vehicle to be deemed a total loss, resulting in an entirely different course of action.

Benefits of Handling Auto Claims

Handling auto claims as an independent adjuster is an essential skill set that can significantly increase opportunities for consistent work. Becoming more comfortable handling auto claims can increase your chances of finding year-round work as an independent adjuster. Auto claims can also be a significant source of income due to the high frequency of car accidents. Investing in this niche can be a wise decision for an independent adjuster looking to broaden their knowledge and skill set.

Auto Claims Training

AE21 offers several courses through our Continuing Education program to support and train adjusters looking to deepen their knowledge of auto claims. One of those courses is our Automobile and Motor Vehicle Physical Damage Adjusting Course. In this course, students learn how to handle first party physical damage claims for damage to personal and business use automobiles commonly insured under the Personal Auto, Business Auto and Garage/Garagekeepers policies. Students will also learn traditional auto adjustment doctrines and best claims practices as they work through many of the typical claim scenarios they would encounter as an Auto PD adjuster. This course is certified for 2 hours of continuing education credit in 14 different states.. While it can be complicated, AE21 can help prepare you to handle auto claims which can provide career growth opportunities and earnings. To find the course for you, check out our Continuing Education courses, select your state to view the course catalog and click on “Automobile Adjusting Topics”.

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