Claims adjuster courses are part of a certificate or undergraduate degree program in insurance, finance or business. Some schools also offer standalone continuing education courses for claims adjusters. Claims adjusters may need to become licensed prior to employment, but the requirement vary widely by state; students should check with their states for specific licensing requirements.
Here are a few concepts that students in claims adjuster classes commonly encounter:
- Intoxication defense
- Medicare setasides
- Employer liability
- Communication skills
- Estimates and settlements
Courses to Expect
Claims Adjusting Overview
Students learn what it takes to work as a claims adjuster in the insurance industry. Students examine the history of insurance, how it works, the laws governing it and the types of coverage available, such as property, auto, life and worker's compensation insurance. Also discussed are the pertinent state licensing requirements for individuals to work as claims adjusters.
Negotiation Skills Course
When a policyholder submits a valid claim, a claims adjuster negotiates with that individual to settle the claim. Students learn effective verbal negotiation skills. They learn how to negotiate with other parties in person, over the telephone, in small groups and in public.
Insurance and Customer Service Course
Students in this course learn the importance of providing exceptional customer service to clients in the insurance industry. They learn how to listen and understand customer's expectations, how to interact and communicate professionally, and how to organize their work day for maximum efficiency. Students also learn how to handle customer complaints.
Types of Insurance Coverage Course
This course explains the various types of insurance coverage available and the terminology used. The types of insurance discussed include worker's compensation, residential and commercial property, life and catastrophe insurance.
Tools of the Trade Course
Students interested in working as a claims adjuster learn the importance of documentation, especially how to make the best use of available technology. They learn how cameras, computers, cell phones, measuring devices, calculators and other devices assist claims adjusters in their work. This course also covers the storage and protection of data, and the use of technology to automate workflow to improve efficiency and performance.
Ethics and Bad Faith Course
Students taking this class discuss the ethical and legal issues encountered by claims adjusters. They learn the Adjuster Code of Ethics, as well as discuss personal ethics, over-and under-payments, licensing and fraud. Students review cases studies of bad faith claims brought against insurers.