Community Discussions
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YSK- Every auto insurance claims department is understaffed and overwhelmed
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Why YSK- There is an unprecedented claims volume for every auto insurance company right now. Tack on the fact that there is a nationwide (US) auto parts shortage and repair shops/tow yards are strained.Your claims adjuster is not ignoring you or hoping you go away they just literally cannot get to your claim in a timely fashion.
What you can do- be patient and respectful to your adjuster. Gather as much information as you can to help speed up your claim. Do NOT start repairs without authorization from the insurance company. If your vehicle is in a tow yard try to get it out yourself to prevent charges that the insurance may not pay. Prevent further damage to your vehicle by protecting it from the elements.
Adjusters are doing their best in this climate- being a human to them will make your experience better.
Top Comment:
Not a YSK.
It's not something I (a paying customer) should have to account for. Do I get to reduce my premiums because the insurer is failing to fully staff their teams?
I get that OP is likely working in insurance and feeling upset at customers being pissed, but it's the company that need to know, react to and address this problem.
"YSK insurers are too tight to adjust salaries to match market conditions so you need to concede in your expectations instead"
This guy claims to have written the auto guard/parry bot.
Main Post: This guy claims to have written the auto guard/parry bot.
Top Comment:
It's very likely he's bluffing. You don't need "machine learning" to make such a bot. You just need to read the incoming inputs from your opponent and produce corresponding outputs. If you read an input corresponding to low attack, just output a low parry. He might just be trolling you.
National General Auto claims Interview
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Hello all, I have an upcoming virtual interview with National General for an inside auto claims adjuster position. Anyone in the company / field have any pointers for the interview? I've been/currently in insurance sales, but never in claims. I'm really looking forward to transitioning into the claims field so any help would be greatly appreciated! Thank you all in advance!
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I’m not in claims but from what I hear the training is very minimal. You’ll be more successful if you have prior claims experience. If you’re able to catch on quickly then I think you’ll be fine. I’m in underwriting and because I’ve had over a decade underwriting experience, I’ve succeeded far better than others who were hired along with me that didn’t have any or much experience. The company is great and growing. Better pay than GEICO and 100% WFH and a pension. Very laid back. Only thing is the training is minimal.
How do prior owner claims affect my premiums?
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I made a largeish claim on my homeowners insurance a year ago for water damage. My rates went up considerably at renewal. When shopping my plan around, carriers keep pricing me way high and citing claims from before I owned the property.
What's going on here?
Top Comment: Water claims in particular can stick with a property. Hail is a geographic issue and a prior hail claim that was repaired is not likely to affect a property going forward. Water losses are likely to repeat. Think about if someone has a pipe break and insurance pays for that loss. That samd piping likely is the same age and type and runs through the entire home, meaning that a repeat loss is likely. So this home looks like a higher risk compared to similar homes due to that.
How long do I have after I’ve filed an auto insurance claim before it expires?
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I know there’s a certain amount of time you have to file a claim after an accident but how long do you have to get the damages fixed in a vandalism claim? I’m in Ontario, Canada.
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Do you think the answers have changed in the hour since you last posted this?
Do premiums on property insurance increase after claims due to hurricane helene?
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Hey guys. I own a few rental properties that were impacted by hurricane helene. Some more so than others. After talking with my agent, he made it seem like my premiums will increase if I file claims due to the hurricane and I should only do claims on major damage. I’ve heard from others that agents are incentivized to steer you away from filing claims as it impacts how much they get paid.
Can someone shoot me straight? Will my premiums actually go up and I should only file claims for major damage?
Top Comment: Some states do not allow for catastrophic assigned losses to negatively impact premium (ie surcharges, tiering, loss of discounts, etc.). It’s really difficult to say what the case would be for you. But, with all of this loss activity going on, plus carriers not turning as big of profits, you’ll likely see increases regardless of filing a claim. A claim may just make it worse.
Becoming an auto insurance adjuster.....
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Hello community,
I am looking for any advice or guidance on how to become an adjuster. I read that before you can get licensed you must have 2 years of certified experience in the insurance adjusting field, which is fine and dandy, but after searching my area for a company hiring as a "trainee", I've hit a wall. I feel like most places do not want to mess around with that, they don't have the time or desire, maybe. I could be 100% wrong. Any advice or guidance is very much appreciated :) Note: this is in the state of California.
Top Comment: spotted sophisticated towering plate snatch one dull cow paint soft This post was mass deleted and anonymized with Redact
How to become an independent adjuster?
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I've seen and heard of people who are independent adjusters vs. Being a staffed employee.
Is it worth it to go independent? How do you find work? I am also interested in non-auto property damage appraising, do you need experience to do that area? Is it all travel?
After 7 years being a staffed employee between injury and auto damage appraising I still love this work but I want a little more freedom... and money.
Top Comment: I switched from staff to independent. I had been staff for ~ 15 years before I made the switch. Note that I only worked auto. >Is it worth it to go independent? Define "worth it". It's definitely feast or famine. No benefits to speak of. I worked 6 days a week, 10 hour days. $30/hour, with OT. I worked this for 18 months without a break. Then I was without work for 9 months. >How do you find work? You register with one of the vendors who will find assignments for you. The ones that I am familiar with are: https://www.thebestclaims.com/ (they used to be The Best IRS - yes, I know it's an odd name but that's why they changed it) https://www.alacritysolutions.com/companies/worley-companies/ (Alacrity used to be known as Worley) >I am also interested in non-auto property damage appraising You'll definitely need experience with estimating; most of the people I saw on my assignments who did both Auto and Property had their ladder certifications and their own ladders and their own equipment >Is it all travel? For property you'd have folks who drove around the USA non-stop. That life is not for me. For the auto side, I worked two types of processes: CAT claims - we would usually get called up about 5 days before a storm would hit. There would be times when we would be called, I would go, then I would leave 5 days later because the storm was not that bad. Staffing shortages - this would be due to scheduling, training, or "whoops we let too many people go". Note that you would have only a few days to go from getting an assignment to be at the location. I had to travel from Houston to Newark, Ohio; Lafayette, Indiana; Eagan, Minnesota; Winter Haven, Florida; and Maryland. Note that I would show up at a assignment to have to leave a few days later, AND there was one time I was notified while I was traveling that the assignment had been cancelled.
How do I get work as an independent auto adjuster
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Recently got my GA adjuster license. I would like to do it independently and I’ve watched dozens of videos and podcasts people explaining how to do it. But how would I go out and find work? Would it be best to start off as a trainee at an insurance company or would it be best to learn CCC1 or get ICAR certified if I need it. I’ve just heard people say that working in insurance office is hell and very boring and not satisfying
Top Comment: If you don't know how to adjust auto claims before becoming an IA, it might cause you to do extra work to correct your mistakes as you get used to handling them. You have to remember that each insurance carrier/company is different with what they want out of your reports. It would be much easier to work for one company and figure out what they like, specifically, and then you might be able to better understand the nuances that other companies might want when you're an IA. The easiest way to learn to adjust, flesh out the common beginner mistakes, and prepare yourself for being independent is likely going to be with a larger carrier, like Travelers. They have a robust training program and they will make you a great adjuster. They'll quite literally give you all the knowledge you need, on the job training for as long as you need to get the hang of it. Save up about $500-$1,000 in the first year and then quit to become an IA. You'll need some $$ to start up as an IA. Good luck!