Market prospect of auto insurance adjuster

The number of cars in China is accelerating, and the auto insurance industry is also developing rapidly. At present, the auto insurance market has exceeded 1000 billion yuan, and it is still growing at a rate of more than 10% per year. Auto insurance business has become the development pillar and competitive core of more and more insurance companies. In addition to PICC, Pingbao and Taibao, more and more insurance companies and related institutions are involved in the auto insurance market. In the business competition of auto insurance, the core competitiveness comes from the competition of talents, and major insurance companies have begun to recruit and train a large number of talents. In addition, fixed loss companies and accident vehicle maintenance enterprises are also in urgent need of professionals. However, due to the late start of the training of professional insurance talents in China, the system is not perfect, and the insurance and claims talents are scarce, which is quite popular in the market. In developed countries in Europe and America, there is a mature training and certification system for auto insurance loss adjusters. Students who pass the certification can not only get quite high remuneration in the insurance and loss-fixing industries, but also have very good career development prospects, are generally respected in society and have a high social status. Auto insurance adjuster is becoming a decent and desirable career with high income and good image.

At present, most people who are engaged in auto insurance claims are insurance assessors. Due to the lack of systematic training, in the past, many vehicle loss adjusters lacked a systematic understanding of the body system structure, collision principle, damage mechanism and auto parts, and often operated by experience. Insurance assessors have the qualification certificate of assessors issued by the CIRC, but the qualification of assessors is only a necessary condition for industry work (recognized in the insurance industry). Professional auto insurance loss adjusters can enter the car damage assessment market as one of the legal professional qualifications recognized by the government in the insurance and loss adjustment industries. Auto insurance adjusters have a wide range of employment. Insurance companies, auto repair shops, claim adjusters, used car markets and other units have been releasing recruitment information for many years, and certified auto insurance claim adjusters will undoubtedly become the talents for major insurance companies, claim adjusters and auto repair shops. The main job of an automobile insurance loss adjuster is to make an inquest on the scene of an automobile accident, so as to obtain information, identify responsibilities, review insurance documents, investigate and evaluate the loss of the accident car, and fill in the loss estimation table, so as to provide accurate data and reasonable maintenance plan for the claim and repair of the accident car. To be competent for these jobs, auto insurance adjusters should at least have the following knowledge and skills:

☉ Understand the relevant laws and regulations of automobile insurance and correctly understand the terms of conventional insurance contracts;

Familiar with accident car insurance claims procedures and accident investigation methods;

Master the knowledge of automobile structure, mainly the load-bearing body structure widely used in contemporary automobiles;

☉ Understand the mechanism of automobile collision damage, and correctly analyze the damage of accident vehicles;

☉ Be familiar with the maintenance process and flow of accident vehicles;

☉ Know how to accurately calculate the spare parts cost and man-hour cost of accident vehicle maintenance, be familiar with the filling method and essentials of loss list or maintenance task list, and have computer operation skills and automobile English reading ability.

In addition, auto insurance adjusters should also have good professional quality, be sincere, be enthusiastic in service and be fair. In the process of identifying insurance losses, we should respect objective facts and not resort to deceit or seek personal gain.