Want to take the exam but afraid you won’t pass on the first attempt? It’s okay. You are not alone in this thought. Nor are you alone in your experience. Traditional insurance adjuster classes do not prepare you for the exam. We have heard horror stories of some failing the exam twice, three times, and even five times.
The goal of this article is to help you pass on the first time no matter what state exam you are taking.
First you should know that the exam goes by many different names. For example in Georgia the exam you need to take is the property and casualty exam. In some state this is called the general adjuster exam. In other states, it is called an all-lines adjuster exam. Yet, others call it simply “adjuster exam”. Despite the many names if you want to be a claims adjuster you’ll need to pass your state exam.
WHY YOU SHOULD WANT TO PASS ON FIRST ATTEMPT?
Because you can’t get the time investment back. The weeks that will go into studying the exam will never be recovered. And, imagine a hurricane or tropical storm is in the Atlantic Ocean brewing. You won’t be able to work it because 1. you are haven’t passed your test & 2. it will take 7-30 days to get your license back from the state you applied to.
HERE’S WHAT HAPPENED TO ME…
The first time I took the (Georgia) exam, I failed. Embarrassing, but true. Unfortunately I am not the only one… you may not know this but, 36% of first time test takers fail the exam!
I am hoping that by writing this article you will save money and time. I don’t want anyone to have to take the exam twice.
Don’t let it happen to you!
In the state of GA, you have to wait two weeks to retake the exam. Who wants to wait two weeks? However, in the state of Indiana, you can take it again that same day. (LUCKY HOOSIERS!)
Here are the exam tips you won’t find in Insurance Adjuster Classes
Mind-Opening Tip 1
After you have reviewed all your test material I want you to take a week before you take the exam. Use this week to take as many practice questions as you can. Everyone needs practice, right?
My advice is to perform study sprints to prevent fatigue. This means take breaks after every 20-minute session. Set a timer so that you are not constantly looking at the clock.
Next, after each 20 minute study session take a five-minute break in between walk around the house. Maybe watch a short video clip but get up away from the computer.
This is a recommendation that will help your brain refresh itself…
After the 5-minute break, come back to the questions. Each one that you get wrong I want you to ignore that answer so that you can focus on which ones are right.
When I was studying for the GA Adjuster exam, I noticed when taking practice questions if I got it wrong today, more than likely I got it wrong tomorrow because I didn’t focus which one was the right answer.
DO NOT RUSH THROUGH QUESTIONS.
When I just rushed through the questions and if I got most of them right I was okay with that. But, that didn’t help me pass the exam. Go for 100% when you take practice exams.
Since I failed my exam the first time, I did something different the second time around when taking practice questions. I focused on the right answers. I made sure that the ones I got wrong were practiced again 4-5 times. Sounds like a lot?
It’s not. Because I had to make sure it was right.
Tip #1 again – review insurance adjuster course and save a week before the adjuster exam to only take practice questions.
Practice Questions for the Win… (Proof)
- Go through the practice quizzes – just click pass the insurance adjuster classes course
- Answer the same set of question 3-5 times in a row. If you get an answer wrong, start the set over.
- Give yourself time. 7-10 days.
- Try not to practice the night before.
- Get a good night’s rest before your exam (keep in mind test times are as early as 8am)
That brings us to tip #2
Mind-Opening Tip 2
Take the insurance adjuster claims exam as early in the day as possible. Why?
Here’s something you may not have thought about….
You have so much other stuff going on during the day, and testing centers may not be located close to where you live or where you work. You don’t want to have to worry about traffic or other factors. Too many factors can get in the way.
In Georgia, test times were 8am (check-in starts at 7:45am) or 2pm.
I know. 8 a.m. is early. But it is well worth it. Just wake up early, drive the distance, and get to your space.
BY THE Way you cannot study in the examination facility while you check-in. You will go through a check in process so don’t try to cram right before.
Tip #2A – Pick a Good Location
Unlike Insurance Adjuster Classes, pick a location that is convenient. I picked a location that was an hour away, on the other side of town, and in a place I’d never been before until then. Do not do it!
Attempting to dash across town is not conducive to your success in passing the claims exam. Even if you select a later date, being close to your location will help you stay focused on passing.
Mind-Opening Tip 3
Here is a question that I remember getting on my exam …
and I believe there were maybe three to four questions about aleatory or adhesion.
So, before we answer this question lets first define Aleatory. Aleatory – basically what happens when you pay for insurance and you need to make a claim.
For example, lets say the damage to your car is $3,000 you have a $500 deductible. You will be indemnified $2,500. This will take place even if you have insurance of your car only two months the insurance company will still indemnify you for $2500.
Insurance companies don’t mind doing that because only a few people are going to make a claim. So, the majority …meaning everyone else who has an insurance policy with that company…is going to contribute to your $3000 claim.
Let’s discuss adhesion –
Now adhesion is when the insurance company makes the contract and the insurer decides to take
it or leave it. Basically, they lead you by the hand, down the road to wherever they want to
- There is no negotiation. It’s a cookie cutter policy.
It saves time. It saves money — everybody’s money.
So even though it is a bit of the farmer leading the mule, it is beneficial.
Answer to the question about is a contract of adhesion. Try to remember that and get familiar with it. One is about equal balance – Aleatory. The other is a take it or leave it – Adhesion.
Mind Opening Tip 4
My next tip is to teach which you will never find in insurance adjuster classes is : it if that’s always been something in any subject that you learn if you really want to learn it you teach it because you get to learn it twice.
So think about friends who have been in recent accident. Actually, I had a friend who actually just had a hit and run. He had witnesses and he was actually hit outside of his car but his uninsured motorist policy will take care of that.
But that’s not all,
You can also look into his grandparents’ homeowner’s insurance policy since he stays with them. Since he’s a relative their home insurance policy may cover him under the medical coverage. That might be something else that could help indemnify him from some of his medical bills.
Other ways you can find to teach is to look into friends buying insurance… maybe they have a small business. They want to know should they have theft protection and to what level should it just be scheduled.
With all that you are learning you can give them advice.
You can also look at friends who are buying a home. They have to get some type of insurance but is basic all they need or should they get broad coverage too? You can lead them through to pick the right answer.
How close is the home to water? Do they live in a flood plain?
WHAT ABOUT AUTO?
Most people can relate to auto insurance. Talk to your friends who may be high-risk insurers because they have many speeding tickets and they want to know what options they have. Talk to them about the different programs like the residual market that would help them get insurance because they have to have it. (the five words that make the insurance industry the best industry).
“I hate insurance!” I used to say that every unemployed month I worked. Especially, when ObamaCare started taking a penalty from my tax return. Ugh!
Like most people, you are not in love with your insurance, but you love it when you need it. #necessaryEvil.
This is what I say now, Being able to now hear what happens to drivers and provide help is the best feeling on earth. You’ll like it too!
Talk to friends about past insurance claims.
Everybody has some type of insurance, or has just been in an accident. Listen and apply what are you learning by helping/teaching the insured (your friend).
Mind Opening Tip 5
– know what time insurance policies expire
These are two questions that I got from the exam both times that I took it so not just once but twice these questions came up each time I took the exam.
So I’ve seen these questions a total of 4 times. If you are taking the claims exam you might second-guess yourself. If I was sure, and I mean confidently sure, about those questions I would have passed.
OH how I would have saved time and saved money.
THIS VIDEO Give the answer and explains the answer.
MIND BLOWING TIP 6
Use in Real Life
- The home that you have… do you have homeowners insurance?
- The credit cards in your wallet – what exactly does the insurance cover when you rent a car
- Did you know your homeowners coverage may also cover credit cards and the deductible is not applied.
- The business you want to own or start – will you use contractors? Will they need to be bonded? Licensed?
- The car that you have … Do you own a car and carry a liability only policy? WATCH this scenario from Judge Judy 3mins: https://www.youtube.com/watch?v=dFY-qfBxqng&t=71s
- If something is stolen from you… Judge Judy case involving theft insurance claim.
Do you have to carry WORKER’S COMP ON YOUR HOME OWNERS POLICY?
In California you must carry workers comp because you have people working on your home.
If someone gets hurts.. you won’t have to pay out of pocket for that. #ThinkAboutLossWages. However, this instance is to protect the employees (or staff) that work at your home. If an incident occurred, insurance companies are more equipped to take car of the injured party’s needs.
Need a visual?
there’s a video I want you to YouTube
Summary of episode: TITLE: Judge Judge sister hits deer with her car. Driver (defendant) describes the impact with a deer. Driver didn’t know car was NOT covered by full coverage (ska comprehensive insurance coverage). She doesn’t want to pay the full amount and the insurance company is not going to pay it because they don’t owe it.
It’s a good case to look at and to use for real-life situations.
Good luck and all the best on your insurance adjuster exam. I gave you important tips which you will not find in normal insurance adjuster classes.