The majority of insurance adjuster training takes place on the job. After mastering customer communications, aspects of an insurance investigation, and the laws governing insurance claims, an employee may be hired as a customer service representative and then trained as a claims adjuster. Insurance adjuster training is also available from an insurance adjuster school.
While insurance adjuster training is not difficult, completing it on the job can take many years. It takes time for an insurance adjuster to encounter all of the complex and difficult situations that may arise. Working as an insurance adjuster entails dealing with irate clients, potentially fraudulent claims, and heavy workloads.
Learning to deny claims fairly is the most important aspect of insurance adjusting. It’s natural for customer service representatives to prefer telling customers that their insurance claims can be paid, but insurance policies are designed to cover only certain types of accidents and expenses. An insurance adjuster may be required to deny a claim and then explain why in a way that the customer understands and accepts.
Insurance adjuster training also instills a strong understanding of legal concepts, making it a good starting point for those interested in pursuing a legal career in the future. Many liability disputes can be settled outside of court thanks to insurance. In the absence of insurance, each car accident or slip-and-fall case would necessitate a lawsuit and a judge to determine who was responsible for the damages. Adjusters learn how to evaluate evidence and make decisions based on how a court would rule in a given case. This eliminates the need for a courtroom and allows cases to be resolved quickly.
If you want to learn how to be an insurance adjuster on the job, look for an insurance company that promotes from within. Before starting such work, some states will require employees to obtain an insurance adjuster license. Because insurance companies often cover the cost of schooling and testing to obtain an adjuster license, on-the-job training may be preferable to schooling.
Schooling is the better option for obtaining insurance adjuster training more quickly. Choose an accredited school that meets the requirements for an adjuster license in states where one is required when looking for insurance adjuster training. Although some courses are available online, exams must be taken in person, usually proxy. Understand that an adjuster must choose which lines of insurance they will work in, whether it is auto, commercial liability, or homeowners.