Auto Insurance Adjuster: Career Info and Education Requirements
Learn about the education and preparation needed to become an auto insurance adjuster. Get a quick view of the requirements as well as details about training, job duties and state licensure to find out if this is the career for you.
Auto insurance adjusters settle damage and injury claims. Some work in the field, traveling to inspect damaged vehicles, while others are employed in call centers. There aren't many standard education requirements for auto insurance adjusters, but they do usually need to complete on-the-job training and earn a state license.
|Required Education||High school diploma and on-the-job training for entry-level positions|
|Licensing||State adjuster's license required, which calls for online or classroom courses and passing an examination|
|Projected Job Outlook (2012-2022)*||4% for claims adjusters, examiners and investigators|
|Median Salary (2013)*||$61,190 for claims adjusters, examiners and investigators|
Source: * U.S. Bureau of Labor Statistics (BLS).
Auto insurance claims adjusters examine and estimate the damage done to a car following an accident and decide how much money the insurance company should pay the owner for repairs. Adjusters also estimate how much the insurance company should pay in personal injury cases.
There are two types of adjusters, those that work in the field, and those in call centers. Call center adjusters ask questions via the phone and settle claims without seeing the vehicle. Field adjusters view and inspect vehicles themselves.
Auto insurance claims adjusters must have good communications skills in order to effectively satisfy customers without awarding excess money. Claims adjusters also need to understand automobile mechanics to properly assess damage and the cost of repairs.
Employment Outlook and Salary Information
As of 2013, the U.S. Bureau of Labor Statistics (BLS) notes that all types of claims adjusters, examiners and investigators earned a median salary of $61,190 per year. Between 2012 and 2022, employment opportunities for these professionals were expected to rise by 4%, slower than average for all professions.
While holding a college degree isn't necessarily required for positions as auto insurance claims adjustors, it can be beneficial. Degrees in accounting and business can be especially useful in helping prepare graduates for the tasks required of auto insurance adjustors.
Claims adjusters usually start out as trainees under the supervision of experienced adjusters in order to learn the required skills. Trainees learn estimation techniques, conflict resolution skills and car inspection skills. When trainees fully understand the job duties, they can apply to become a licensed adjuster.
In order to be an insurance adjuster, candidates must earn a license in the state they want to practice. The requirements for becoming a licensed adjuster varies by state, but generally include taking online or classroom courses and passing a written proficiency examination.
Auto insurance adjusters must regularly educate themselves on the replacement costs of new automotive technology. They also need to complete training on up-to-date insurance adjusting computer software.
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