Depends on what type of insurance adjusting you want to do. Typically, there's a license involved and most states require an exam in order to obtain a license. Then you probably need to apply for an entry level position and find a company that provides full remote positions. Good luck!
Hi! Thanks for you the vids, you’re super knowledgeable. Would you be willing to give me some advice on a case I’m dealing with? I’d be more than happy to pay. Thank you!
I am a medical adjuster in Pennsylvania where PIP covered is required. So it typically is very rewarding to help people get their medical bills paid and help them through the process 🥰 I’d definitely feel differently if I lived in a state where they may or may not have medical coverage!
I'm glad it's rewarding for you to help with medical claims! To be honest, I wasn't given much training on medical claims, so when I did them I was in over my head emotionally *and* lacked knowledge needed. And yes, it's horrible when they don't have coverage. :(
@@YourFriendlyInsuranceAdjuster I’ve said a lot of negative things about the industry on your comments but it wasn’t all bad. I worked in claims for about 6 years and I learned so much. I gained a bunch of transferable skills that have benefited me in professional and personal life. It was just time to go..
@@81aherna That's understandable, it was time for me to go too. Honestly it took more than a year for me to ease the burnout feelings from it, and once a blue moon I'll have a stress dream that I decided to go back into insurance, and I immediately regret it!!
I know right? I went back to school and now I'm in UX design. I was thinking about making an update video, what do you think? I was also thinking about making new videos about UX design, which is like designing app and websites. Let me know!
Recently was in an accident and the other party was at fault and I'm in an at-fault state. Anyway I bought my car 2 years ago for $2,500. I was waiting for the offer from the insurance, ready to deny because I knew it would be a lowball offer. To my surprise they offered me $5,500! I guess they use a 3rd party and see what similar vehicles have sold for in my area. So I was really happy with that. Now I need to call back the original claims adjuster and see how to get my lost wages reimbursed. Now I lost my job over this, can I seek more reimbursement for that? Also what else should I ask for? My fiance has had to take Uber to and from work since this happened, and it's well over $400 in fees so far. I am the only driver, so she relies on me for transport. Let me know, thanks!
Sorry to hear you were in an accident, but nice return on the car!! Used cars are going for a lot right now, not totally sure why. Did you lose your job because of no transport and/or because you were injured? I think depending on the state and the circumstances, your company may not have been able to legally let you go. Id mention that and the transportation for your fiance to the adjuster. Those seem like reasonable things to ask for! Not sure about reimbursement for the job, i think it will come down to the details of your state and the insurance policy, so it's best to ask the adjuster about it.
It depends on the company. Bigger companies (like Geico, Progressive, etc) usually have specific levels of jobs. So you might have one level who only handles medical, another one who only handles disputed claims, etc. My company was smaller, and they restructured from having specific adjusters for medical to having everyone do medical. I think our office was low on medical adjusters at the time.
@@YourFriendlyInsuranceAdjuster what was your company if I may ask? Were they a TPA? I would rather work for a small company. Do you mind saying since you don’t work there anymore? If not, how can I find smaller companies, Indeed?
I have been handling claims since 1988. I am wondering if you are still a claim rep or not. Its not easy and I like that you are honest that it is not all fun. The bigger companies run claims like a mill.
Hi Robert, no I'm not a claim rep anymore, thank goodness! I did that for about 4 years, but now I'm going back to school for graphic design. I have another video "Why I quit my work-from-home job" that explains why I quit in detail, if you're interested.
Lots of adjusters get out within their first year because of the stress. Im assuming that a lot of the more empathetic people get out at the beginning.
Can you make a video of you talking to clients and shops? Basically want to see how you communicate with individuals (: I will be starting as a trainee soon and would love to see some interaction, thank you!
Hi! Im not an insurance adjuster anymore, but I always talked to others with a friendly and professional demeanor. I was less professional with shops so that they were more comfortable talking to me, then more professional with customers so they could trust that I was reliable. In my other videos I have my side of the conversation recorded!
It's such a touchy subject! A lot of pain is subjective, meaning there's not evidence (like a broken bone) to prove the pain. Doctors have to go by a person's word a lot of time. In the insurance world, we look at how much damage the car sustained versus the pain and treatment of the person. So if there's like no scratches or any damage on the car, then they arent likely to get paid anything for injuries/pain. If youre worried a person in the other car is faking their injuries, that's up to their doctor and to your insurance company to handle. Hiring a lawyer might be helpful in some situations, but typically your insurance company will be able to take care of these kinds of people without much fuss. If you hire a lawyer specifically because you think theyre faking their injuries, that might make it worse and draw everything out longer.
Good adjusters have empathy for claimants and their injuries. This is definitely a job for human beings... And the industry definitely needs more of them!
Why do these insurance adjusters sound mean and like they are interrogating you like a criminal??? 🤔 Makes it sound like they don’t care about you and only protecting the company where you work at…. Your quick response will greatly be appreciated 🤙
Hey there. The most empathetic and sincere adjusters get out of this role within the first 1-5 years. (I got out at year 4.) It's an incredibly stressful job, so if an adjuster is acting mean, then they're either having a bad day, dealing with frustrating claims, or have one or more standout jerk customers who try to take advantage of the situation. I can only think of one or two adjusters who were just crappy humans that had fun arguing. :/ I've never known an adjuster to be protective of their company. In that regard, it's like any other job. The amount owed is what is paid, and is determined by specialists in the field.
I've been in the industry for over 20 years and if it seems like they're drilling you, it's because they have to. Investigation is part of the job. We have to obtain all pertinent information to make a final assessment and to ensure we have a full understanding of what happened.
Hello! I'm no longer an insurance adjuster, but thought it best to keep the videos up so that other people can learn from them. I went back to school and ended up studying User Experience (aka UX) Design, which is like designing apps and websites.
Hi John, I'm not an insurance anymore, thank goodness! I did that for about 4 years, but now I'm going back to school for graphic design. I have another video "Why I quit my work-from-home job" that explains why I quit in detail, if you're interested.
Adjuster exams are different in every state. I took mine in TX about 5 years ago, so the test may have changed. Before you take the exam, they will give or recommend the study materials needed. Best of luck!
Hello! I have my 6-20 All Lines adjuster license for the state of Florida. I been applying to many companies but no luck. Are you able to provide any leads? Thanks in advance!
What has been your experience working with the other party’s personal injury attorney? Does the other party’s personal injury attorney go after the insured if you end up denying the other party’s claim for bodily injury if the claim is outrageous? What are the chances it gets settled out of court?
Hey there! Thankfully I haven't had too many dealings with injury cases, so even less injury cases that involved attorneys. Depending on how professional and on top of things the lawyer is, it can go great or it can get really messy and take a long time. Sometimes the lawyer will give unrealistic expectations to the customer, which makes it seem like the adjuster is the unreasonable one. If the claim is outrageous, then we can easily deny it. For example, you cant really get a whiplash neck injury from a $200 worth of damage fender bender in the fast food drive thru. On more realistic claims, it depends entirely on which driver's fault it is based on the laws. Some states can divide the fault into percentages, like it was 80% this person's fault and 20% that person's fault. Other states say the majority fault takes 100%. Sometimes there's not enough hard evidence and it comes down to "hearsay," like it's their word vs the other person's word. In which case each company would favor in their own driver's interest. So if I deduce from the laws that my driver (the insured) is not at fault, then I'm not going to pay anything for the other driver's (the claimant's) injuries. The claimant will get their injuries treated while the claim is being determined, either through their own company's policy or out of pocket. Claims can sometimes take several weeks to several months. If the claimant's company says it's 100% my insured's fault, whereas ive found it to be 100% the claimant's fault, then both companies will take care of their own customer for the time being. Then it will go to what's called arbitration, where a 3rd party will review the evidence and the case. This takes even more time, several additional months at least. If the arbitration decides my insured is at fault, then i cant go against that. If they say the claimant is at fault, then the claimant can't pursue any legal action as far as im aware. If the arbitration also can't make a fair decision because there's not enough evidence, then each party takes care of their own. I think at that point, they maaaay be able to take it to court, but ive maybe only had 2 cases go to court during the 4 years i worked. Claims dont usually doesn't make it to court. Nobody wants to go to court, even lawyers. It's better for everyone involved if it's taken care of much earlier or taken care of during mediation, which happens before court stuff.
There is no one else talking about being and bodily injury adjuster online… thank you
What's needed to be a desk adjuster and work from home.
Depends on what type of insurance adjusting you want to do. Typically, there's a license involved and most states require an exam in order to obtain a license. Then you probably need to apply for an entry level position and find a company that provides full remote positions. Good luck!
Burnout huh?
Hi! Thanks for you the vids, you’re super knowledgeable. Would you be willing to give me some advice on a case I’m dealing with? I’d be more than happy to pay. Thank you!
I am a medical adjuster in Pennsylvania where PIP covered is required. So it typically is very rewarding to help people get their medical bills paid and help them through the process 🥰 I’d definitely feel differently if I lived in a state where they may or may not have medical coverage!
I'm glad it's rewarding for you to help with medical claims! To be honest, I wasn't given much training on medical claims, so when I did them I was in over my head emotionally *and* lacked knowledge needed. And yes, it's horrible when they don't have coverage. :(
@@YourFriendlyInsuranceAdjuster that sounds so interesting do major companies have medical adjuster?
The one good thing about working as an auto claims adjuster is that you become a more aware and better driver instantly. But that’s it..
I also got auto accident nightmares frequently for the first 6 months!
@@YourFriendlyInsuranceAdjuster I’ve said a lot of negative things about the industry on your comments but it wasn’t all bad. I worked in claims for about 6 years and I learned so much. I gained a bunch of transferable skills that have benefited me in professional and personal life. It was just time to go..
@@81aherna That's understandable, it was time for me to go too. Honestly it took more than a year for me to ease the burnout feelings from it, and once a blue moon I'll have a stress dream that I decided to go back into insurance, and I immediately regret it!!
Hey what are you up to now u haven’t posted in years
I know right? I went back to school and now I'm in UX design. I was thinking about making an update video, what do you think? I was also thinking about making new videos about UX design, which is like designing app and websites. Let me know!
@@YourFriendlyInsuranceAdjuster Yes! please do a video update on what you're doing now
Recently was in an accident and the other party was at fault and I'm in an at-fault state. Anyway I bought my car 2 years ago for $2,500. I was waiting for the offer from the insurance, ready to deny because I knew it would be a lowball offer. To my surprise they offered me $5,500! I guess they use a 3rd party and see what similar vehicles have sold for in my area. So I was really happy with that.
Now I need to call back the original claims adjuster and see how to get my lost wages reimbursed. Now I lost my job over this, can I seek more reimbursement for that? Also what else should I ask for? My fiance has had to take Uber to and from work since this happened, and it's well over $400 in fees so far. I am the only driver, so she relies on me for transport. Let me know, thanks!
Sorry to hear you were in an accident, but nice return on the car!! Used cars are going for a lot right now, not totally sure why.
Did you lose your job because of no transport and/or because you were injured? I think depending on the state and the circumstances, your company may not have been able to legally let you go. Id mention that and the transportation for your fiance to the adjuster. Those seem like reasonable things to ask for! Not sure about reimbursement for the job, i think it will come down to the details of your state and the insurance policy, so it's best to ask the adjuster about it.
So what position would this be under? Medical only claims adjuster?
It depends on the company. Bigger companies (like Geico, Progressive, etc) usually have specific levels of jobs. So you might have one level who only handles medical, another one who only handles disputed claims, etc. My company was smaller, and they restructured from having specific adjusters for medical to having everyone do medical. I think our office was low on medical adjusters at the time.
@@YourFriendlyInsuranceAdjuster what was your company if I may ask? Were they a TPA? I would rather work for a small company. Do you mind saying since you don’t work there anymore? If not, how can I find smaller companies, Indeed?
I have been handling claims since 1988. I am wondering if you are still a claim rep or not. Its not easy and I like that you are honest that it is not all fun. The bigger companies run claims like a mill.
Hi Robert, no I'm not a claim rep anymore, thank goodness! I did that for about 4 years, but now I'm going back to school for graphic design. I have another video "Why I quit my work-from-home job" that explains why I quit in detail, if you're interested.
@@YourFriendlyInsuranceAdjuster Keep smiling and don't go back to claims.
The only adjuster I ever heard of that seems to care for the injured
Lots of adjusters get out within their first year because of the stress. Im assuming that a lot of the more empathetic people get out at the beginning.
Can you make a video of you talking to clients and shops? Basically want to see how you communicate with individuals (: I will be starting as a trainee soon and would love to see some interaction, thank you!
Hi! Im not an insurance adjuster anymore, but I always talked to others with a friendly and professional demeanor. I was less professional with shops so that they were more comfortable talking to me, then more professional with customers so they could trust that I was reliable.
In my other videos I have my side of the conversation recorded!
How to know about faking body pain. Went to Theraphy.. yes just sores? But making a big deal coz wants to get more money? With Lawyers advice.?
It's such a touchy subject! A lot of pain is subjective, meaning there's not evidence (like a broken bone) to prove the pain. Doctors have to go by a person's word a lot of time.
In the insurance world, we look at how much damage the car sustained versus the pain and treatment of the person. So if there's like no scratches or any damage on the car, then they arent likely to get paid anything for injuries/pain.
If youre worried a person in the other car is faking their injuries, that's up to their doctor and to your insurance company to handle. Hiring a lawyer might be helpful in some situations, but typically your insurance company will be able to take care of these kinds of people without much fuss. If you hire a lawyer specifically because you think theyre faking their injuries, that might make it worse and draw everything out longer.
Good adjusters have empathy for claimants and their injuries. This is definitely a job for human beings... And the industry definitely needs more of them!
That's a lie if I've ever heard one, insurance adjusters don't care about you, they care about the money they save which lands them a fat bonus
we have an accident policy and my wife got pregnant accidently // is she covered
Why do these insurance adjusters sound mean and like they are interrogating you like a criminal??? 🤔 Makes it sound like they don’t care about you and only protecting the company where you work at…. Your quick response will greatly be appreciated 🤙
Hey there. The most empathetic and sincere adjusters get out of this role within the first 1-5 years. (I got out at year 4.) It's an incredibly stressful job, so if an adjuster is acting mean, then they're either having a bad day, dealing with frustrating claims, or have one or more standout jerk customers who try to take advantage of the situation. I can only think of one or two adjusters who were just crappy humans that had fun arguing. :/
I've never known an adjuster to be protective of their company. In that regard, it's like any other job. The amount owed is what is paid, and is determined by specialists in the field.
I've been in the industry for over 20 years and if it seems like they're drilling you, it's because they have to. Investigation is part of the job. We have to obtain all pertinent information to make a final assessment and to ensure we have a full understanding of what happened.
Hello!! Are you still a insurance adjuster?
Hello! I'm no longer an insurance adjuster, but thought it best to keep the videos up so that other people can learn from them. I went back to school and ended up studying User Experience (aka UX) Design, which is like designing apps and websites.
Are you still an insurance adjuster?
Hi John, I'm not an insurance anymore, thank goodness! I did that for about 4 years, but now I'm going back to school for graphic design. I have another video "Why I quit my work-from-home job" that explains why I quit in detail, if you're interested.
Hello will you help with a claim adjuster exam? I will compensate you for your time
Adjuster exams are different in every state. I took mine in TX about 5 years ago, so the test may have changed. Before you take the exam, they will give or recommend the study materials needed. Best of luck!
Liz Grant thank you for getting back to me. Thanks!!
I have question how can I reach you please???
Sure what's your question?
Great video! I love you.
Hello! I have my 6-20 All Lines adjuster license for the state of Florida. I been applying to many companies but no luck. Are you able to provide any leads? Thanks in advance!
Bummer! Sorry for the late response. How did it turn out, did you find something?
I see your video where you quit
What has been your experience working with the other party’s personal injury attorney? Does the other party’s personal injury attorney go after the insured if you end up denying the other party’s claim for bodily injury if the claim is outrageous? What are the chances it gets settled out of court?
Hey there! Thankfully I haven't had too many dealings with injury cases, so even less injury cases that involved attorneys. Depending on how professional and on top of things the lawyer is, it can go great or it can get really messy and take a long time. Sometimes the lawyer will give unrealistic expectations to the customer, which makes it seem like the adjuster is the unreasonable one.
If the claim is outrageous, then we can easily deny it. For example, you cant really get a whiplash neck injury from a $200 worth of damage fender bender in the fast food drive thru.
On more realistic claims, it depends entirely on which driver's fault it is based on the laws. Some states can divide the fault into percentages, like it was 80% this person's fault and 20% that person's fault. Other states say the majority fault takes 100%.
Sometimes there's not enough hard evidence and it comes down to "hearsay," like it's their word vs the other person's word. In which case each company would favor in their own driver's interest.
So if I deduce from the laws that my driver (the insured) is not at fault, then I'm not going to pay anything for the other driver's (the claimant's) injuries. The claimant will get their injuries treated while the claim is being determined, either through their own company's policy or out of pocket. Claims can sometimes take several weeks to several months.
If the claimant's company says it's 100% my insured's fault, whereas ive found it to be 100% the claimant's fault, then both companies will take care of their own customer for the time being. Then it will go to what's called arbitration, where a 3rd party will review the evidence and the case. This takes even more time, several additional months at least.
If the arbitration decides my insured is at fault, then i cant go against that. If they say the claimant is at fault, then the claimant can't pursue any legal action as far as im aware.
If the arbitration also can't make a fair decision because there's not enough evidence, then each party takes care of their own. I think at that point, they maaaay be able to take it to court, but ive maybe only had 2 cases go to court during the 4 years i worked. Claims dont usually doesn't make it to court. Nobody wants to go to court, even lawyers. It's better for everyone involved if it's taken care of much earlier or taken care of during mediation, which happens before court stuff.