The Comprehensive Guide To Becoming An Automobile Windshield Insurance Adjuster

The role of an auto insurance adjuster is to assess and evaluate insurance claims related to automobile accidents. They investigate and determine the extent of damage caused to a vehicle, estimate repair costs, and negotiate settlements with claimants and repair shops.

If you're interested in becoming an auto insurance adjuster, here's a step-by-step guide to help you get started:

Step 1: Obtain the Necessary Education

To become an auto insurance adjuster, you typically need a minimum of a high school diploma or GED. While this is the basic requirement, some employers may prefer candidates with a bachelor's degree or advanced vocational training in fields like business, criminal justice, or communication. This additional education can set you apart from other candidates and provide a strong foundation for your career.

Step 2: Gain Relevant Experience

Although not always mandatory, having prior experience in the automotive or insurance industry can be highly beneficial. Consider working in an auto repair shop or gaining insurance industry experience, where you can learn about estimating repair costs and understanding insurance policies. This practical knowledge will be invaluable when you start handling insurance claims.

Step 3: Choose Your Adjuster Type

There are two main types of auto insurance adjusters: staff adjusters and independent adjusters. Staff adjusters are employed full-time by insurance companies, while independent adjusters work as contractors for one or multiple insurance companies. Understanding the differences between these roles will help you decide which path aligns better with your career goals and preferred work environment.

Step 4: Complete Licensing Requirements

Most states require insurance adjusters to be licensed. Check with your state's Department of Insurance to determine the specific licensing requirements, as they vary from state to state. You may need to complete pre-licensing classes and pass a licensing exam. Some states also require background checks and fingerprinting as part of the licensing process.

Step 5: Develop Essential Skills

To excel as an auto insurance adjuster, you should focus on developing a range of skills. Strong communication, analytical, and interpersonal skills are crucial for interacting with claimants, witnesses, and experts. Additionally, proficiency in relevant software and a solid understanding of legal regulations and insurance policies are essential for navigating the claims process effectively.

Step 6: Find Employment Opportunities

Once you have the necessary education, experience, and licensing, it's time to start your job search. Reach out to insurance companies, both large and small, and tailor your resume and cover letter to highlight your relevant skills and experience. Networking within the industry and staying compliant with any license renewals will also increase your chances of finding the right opportunity.

Remember, becoming an auto insurance adjuster takes dedication and a willingness to learn. By following these steps and continuously developing your skills, you'll be well on your way to a rewarding career in the insurance industry.

Get a high school diploma or GED

Getting a high school diploma or GED is a great way to increase your earning potential and open up more job opportunities. Here are the steps you can take to achieve this:

Understand the Requirements:

Check the specific requirements for your state, as they can vary. For example, in Maryland, you must be a resident of the state and at least 19 years old to take the GED test. If you are 16 to 18 years old, you can take the test with proof of official withdrawal from school or verification of home instruction.

Sign Up and Prepare:

Create an account on the official GED website and provide the necessary information. You may also want to take advantage of the various free and paid resources available to help you prepare for the test, such as practice tests, online classes, and prep books.

Schedule and Take the Test:

Log into your GED account to schedule your test. You can choose to take all four subject tests (language arts, social studies, science, and math) on the same day or on different days. The GED test can be taken online or in person at an authorized testing center.

Receive Your Results and Diploma:

After passing the GED test, you will receive your results and a high school equivalency certificate or diploma. This certificate is widely accepted by employers and colleges and will allow you to pursue further educational and career opportunities.

Remember, earning your high school diploma or GED is a worthwhile investment in your future. It may take dedication and commitment, but it will open doors to new possibilities and enhance your long-term prospects.

Decide on your adjuster type: staff, independent, or public

There are three main types of insurance adjusters: staff, independent, and public.

Staff Adjuster

Staff adjusters are full-time, salaried employees of an insurance company. They are sometimes referred to as company adjusters. They investigate, evaluate, and settle claims. There are two types of staff adjusters: desk adjusters and field adjusters. Desk adjusters handle claims from an office or call center, while field adjusters go out to inspect damage on-site. Staff adjusters usually have a consistent schedule and work in a specific geographic location. They are typically paid a salary and may receive benefits such as health insurance and paid time off.

Independent Adjuster

Independent adjusters are hired on a contract basis by an insurance company or a third-party adjusting firm. They are often called in when additional support is needed, such as during catastrophic events. They are hired to process claims quickly and efficiently. Independent adjusters are paid per claim and may handle claims for multiple insurance companies simultaneously. They have more flexibility in creating their schedules but must track their expenses and mileage.

Public Adjuster

Public adjusters work directly for policyholders or customers, not insurance companies. They are hired by the policyholder when they believe they have received an unfair settlement offer from the insurance company. Public adjusters are self-employed and must find their own work. They are paid through a commission, typically a percentage of the final settlement amount. Public adjusters have the freedom to create their own schedules but may experience inconsistent income.

Choosing Your Adjuster Type

When deciding between becoming a staff, independent, or public adjuster, consider factors such as job stability, income, flexibility, and the type of work you want to do. Staff adjusters enjoy the stability of full-time employment and benefits but may have less flexibility. Independent adjusters have more flexibility and the potential for higher income but may experience inconsistent work and income. Public adjusters have the most flexibility as self-employed individuals but must actively seek out work and may face income instability.

Check state requirements and take a licensing exam

The requirements to become an insurance adjuster vary across different states. While some states require you to obtain a license, others do not. However, it is recommended that you obtain a license regardless of your state's requirements, as this can make you a more appealing candidate for insurance companies and open up more job opportunities.

• Complete an Insurance Adjuster Training Course: Many states require insurance adjusters to have a certain level of education as a prerequisite for applying for a license. This can often be fulfilled by completing a state-approved pre-licensing education course or passing a state exam. Some states have a list of approved professional licenses and certifications that can exempt you from the licensing exam.
• Pass the Insurance Adjuster License Exam: If your state requires a license and you don't have a relevant background or certification, you will need to demonstrate your knowledge by passing a state insurance adjuster license exam. These exams typically cover property and liability insurance concepts, casualty and liability insurance, fire and allied lines, motor vehicle physical damage, and state-specific laws and regulations pertaining to insurance adjusters.
• Complete Your Insurance Adjuster License Application: Submit your personal and background information, along with the required application fee, to your state's Department of Insurance or Division of Insurance. Some states may also require fingerprinting and a background check as part of the application process.
• Maintain Your License: Keep in mind that licenses often need to be renewed periodically (usually every two years) and may require continuing education credits to stay active. Make sure to stay up to date with your state's requirements to ensure your license remains valid.

It's important to note that specific requirements, such as exam content and application processes, can vary from state to state. Therefore, it is essential to check with your state's insurance department or the relevant website to obtain accurate and detailed information about the requirements and process for obtaining an insurance adjuster license in your specific state.

Gain experience through internships or trainee positions

To become an adjuster for automobile windshield insurance, gaining practical experience through internships or trainee positions is a great way to start. Many insurance companies offer entry-level positions or internships that can provide valuable on-the-job training. Here are some tips to help you gain experience in this field:

• Start with an insurance company or an independent adjusting firm: Consider applying for trainee positions or internships with insurance companies or independent adjusting firms. These opportunities can provide you with the foundational knowledge and skills needed to become an adjuster. You'll learn about the claims process, gain hands-on experience, and build connections in the industry.
• Look for "claims specialist" roles: Entry-level positions as a "claims specialist" or adjuster are a great way to get your foot in the door. These roles will allow you to gain practical experience in the field, even if you don't have prior claims experience. You can showcase your transferable skills and develop new ones on the job.
• Obtain relevant certifications: While a college degree is not always required, obtaining relevant certifications can set you apart. Consider pursuing the Certified Insurance Examiner (CIE) certification, which can enhance your resume and increase your earning potential.
• Complete pre-licensing courses: Depending on your location, you may need to obtain an insurance adjuster license. Enroll in pre-licensing courses or preparatory classes to equip yourself with the knowledge needed to pass the licensing exam. This step will not only make you a stronger candidate but also ensure you are legally compliant.
• Network and build connections: Networking is an important aspect of career development. Join professional groups, attend industry events, and connect with established professionals in the field. They may be able to offer advice, mentorship, or even notify you about job openings within their organisations.
• Gain customer service experience: Effective communication and customer service skills are highly valued in the insurance industry. Consider taking on roles that allow you to develop these skills, such as customer service representative positions. These experiences will help you hone your verbal and written communication abilities, which are essential for interacting with clients and stakeholders.
• Pursue internship opportunities: If you're currently studying, consider internships within the insurance industry. These opportunities can provide you with valuable work experience and give you an insight into the day-to-day operations of insurance companies. You'll also be able to apply the knowledge you've gained from your studies in a practical setting.

Remember, gaining experience through internships or trainee positions is just one aspect of becoming an adjuster. Combining on-the-job training with certifications, education, and a strong network will put you on a solid path towards a successful career as an adjuster for automobile windshield insurance.

Apply for jobs and network within the industry

To become an automobile windshield insurance adjuster, you will need to apply for jobs and network within the industry. Here are some steps to help you get started:

Determine if insurance adjusting is right for you

Verify that insurance claims adjusting is a suitable career choice for you by considering the required hard and soft skills, the challenges and rewards of the job, the job prospects, and your personal interests and goals.

Choose the type of adjuster you want to be

Decide between becoming a staff adjuster, an independent insurance adjuster, or a public adjuster. Staff adjusters work full-time for an insurance company, while independent adjusters work as contractors for insurance adjusting firms, often handling multiple clients. Public adjusters work directly for policyholders, assisting them in obtaining fair settlements.

Obtain the necessary education and licenses

Ensure you have at least a high school diploma or GED. While a bachelor's degree is not always required, it can set you apart from other candidates. Complete any necessary insurance licensing exams for your state, and consider obtaining reciprocal licenses to work in multiple states. Stay compliant by maintaining your licenses through continuing education credits or regular renewals.

Develop relevant skills and competencies

Enhance your computer proficiency, especially with industry-standard claims software such as Xactimate. Gain customer service experience to improve your communication and interpersonal skills, which are essential for effective interactions with clients and stakeholders. Develop a strong work ethic, self-discipline, and time management skills to handle the challenging and varied responsibilities of an adjuster.

Network with professionals and apply for jobs

Join local and national industry associations, insurance job boards, and networking events to meet like-minded individuals and established professionals. They may have valuable insights about open positions and the hiring process. Tailor your resume specifically for the claims industry, highlighting relevant skills and experiences. Reach out to human resource departments at major adjusting firms to inquire about job openings and application procedures. Stay proactive and diligent in your job search, and be prepared to deploy quickly, especially during catastrophe season.

Frequently asked questions