Auto insurance jobs involve selling policies to motorists in need of coverage. Very good communication and selling skills are essential assets for anyone pursuing a career in auto insurance. Each state has its own rules regarding auto insurance so anyone in this profession needs to know the rules that apply in their respective state. Below are some basic rules that apply for working in the auto insurance industry:
- Aspirants for auto insurance jobs need to meet the pre licensing educational requirements. Afterwards they have to complete a course in Motor Vehicle Physical Damage and Breakdown Insurance.
- They could search for a state approved education provider via the internet. Apply online by submitting an application. You may have to create an account to complete the licensing application. Once your application is approved, you will be sent an authorization notice which you must have before registering for a state licensing examination.
- Get fingerprinting. Contact one of the designated sites under licensure and compliance and arrange to have your fingerprints taken. You can register online or contact a vendor by phone. Fingerprints are needed for conducting background checks for all applicants.
- Read the auto insurance candidate handbook. You are encouraged to read the handbook before registering for the licensure exam in respective states. The handbook could be available for free from certain websites.
- Take the exam. After registering you can now choose a schedule for taking the exam. If you pass the exam you will receive your test score and a wallet size license and a photo.
There are different kinds of auto insurance employment. For example, claims adjusters specialize in claims of financial loss due to equipment breakdown or damage through accidents. An accounting background is very suitable for this type of job. College training in engineering could also be useful in assessing mechanical damage from accidents or a legal background is also useful for determining liability.
Auto damage appraisers, while they are not required to have college education; formal training, previous experience, and knowledge in technical skills are helpful for identifying and estimating the cost of repair. There are many vocational colleges that offer 2 year programs in auto body repair along with teaching students on estimating the cost of repairing damaged vehicles.
There are also investigator jobs where it is advantageous to have previous training or experience as claims adjuster, damage appraiser, and law enforcement officers or as private investigators. With this work it is essential to have good interviewing or interrogation skills.
Entry level auto insurance jobs gives new entrants into this work a chance to work in small claims under the supervision of more experienced personnel. As they learn more about claims investigation and settlement newbie's are gradually assigned to larger and more complex cases. This is all part of on the job training which can last for several months until the employer decides the trainee is ready to perform damage estimates by themselves.
Continuing education is also a very important in this industry because Federal and State laws and court decisions affect the scope of insurance policies and the way claims are handled. Farmer's insurance jobs also need to be familiar with new models of motor vehicles and new repair techniques.
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