insurance claims adjuster cover letter with no experience

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Claims Adjuster Cover Letter Example

Looking for a job in claims adjusting can be exciting, yet overwhelming. Crafting a winning cover letter is an essential part of your job search. A strong cover letter not only showcases your skills, education and experience, but can also be an effective way to demonstrate your enthusiasm and passion for the job. This guide will provide helpful tips and an example of a claims adjuster cover letter that can help you stand out to potential employers.

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Claims Adjuster Cover Letter Sample

Dear [Hiring Manager’s Name],

I am writing to express my interest in the Claims Adjuster position currently open at [Company Name]. With over [number] years of experience in the insurance industry and an extensive background in adjusting and processing claims, I am confident I can make a positive contribution to your organization.

As a Claims Adjuster, I have extensive experience in assessing and evaluating a variety of insurance claims, including auto and homeowner’s. I have a comprehensive understanding of the legal and regulatory framework surrounding insurance claims, and I understand the importance of bringing claims to resolution in a timely manner. My specialty lies in being able to assess the validity of a claim, negotiate with claimants, and communicate effectively to bring about the most effective resolution.

I am an organized, detail- oriented professional with a keen eye for accuracy. I am well- versed in claims processing software and possess strong problem- solving skills that I have used to provide effective solutions to clients’ needs. My communication skills have enabled me to build strong relationships with my team, as well as with clients. I have gained valuable experience in a variety of settings and am an enthusiastic and hardworking individual who is looking to make a positive impact.

I would welcome an opportunity to discuss my qualifications further, and I am confident I can be a valuable asset to your team. Please do not hesitate to contact me at your earliest convenience. I look forward to hearing from you.

[Your Name]

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What should a Claims Adjuster cover letter include?

A claims adjuster cover letter should provide an overview of the candidate’s credentials, qualifications, and experience. It should also demonstrate the candidate’s understanding of the claims adjusting process and how their skills, knowledge, and experience can be put to use to effectively manage and handle claims. The cover letter should also include the candidate’s enthusiasm for the position and their eagerness to join the organization and contribute to its success.

Additionally, the cover letter should explain why the candidate is the ideal fit for the role and how they can benefit the organization’s overall success. It should also provide evidence of the candidate’s strong communication skills and any other relevant skills or qualifications that may be pertinent to the role. Finally, it should also explain why the candidate is passionate about the claims adjusting profession, and why they believe they would be an asset to the organization.

Claims Adjuster Cover Letter Writing Tips

A claims adjuster cover letter is an important document when applying for a job as a claims adjuster. It’s critical that your cover letter outlines the skills, experience and qualifications that make you a good fit for the position. Here are some tips for writing an effective claims adjuster cover letter:

• Make sure you include relevant information regarding your experience and qualifications. Make sure to clearly state why you are a good fit for the position and how your skills and expertise will help the company.
• Keep the letter short and to the point. A cover letter should not exceed one page.
• Use a professional tone when writing the letter. Be sure to use correct grammar, punctuation and spelling.
• Include a catchy opening line to grab the reader’s attention.
• Focus on how you can help the company. Make sure to include examples of your past experience and successes that demonstrate how you can help the company.
• Use keywords from the job description in your letter.
• Demonstrate your knowledge of the claims adjuster job. Show that you have done your research and know what the job entails.
• Ensure the format is neat and organized. Double check for any typos or errors.
• Finish your letter with a strong closing that outlines how you can be contacted.

Following these tips will help you write a strong cover letter that will give you the best chance of getting an interview. Make sure to take your time and craft a letter that is professional and showcases your qualifications. Good luck!

Common mistakes to avoid when writing Claims Adjuster Cover letter

Writing a cover letter for a Claims Adjuster role can be a daunting task. It is important to make sure your cover letter covers the key points that hiring managers are looking for in a great candidate. Here are some common mistakes to avoid while writing your Claims Adjuster cover letter:

• Not including a professional summary: A professional summary is a great way to provide a brief overview of your qualifications and experience. It should be written in the first paragraph of your cover letter and should provide an overview of your skills and experience that make you a great candidate for the role.
• Not addressing the role’s requirements: Make sure to look over the job description and highlight the qualifications, skills, and experience that you possess that match the position’s requirements. This way, you can demonstrate to the hiring manager that you are the best candidate for the job.
• Not showing interest in the company: Take the time to research the company so that you can write a personalized cover letter that demonstrates your knowledge of the company and your enthusiasm for the position.
• Making your cover letter too long: Make sure to edit your cover letter to make sure it is concise and to the point. A good rule of thumb is to keep your cover letter to one page or less.
• Not proofreading and editing: Make sure to read through your cover letter multiple times and have someone else review it for you. This will ensure that you have eliminated any typos or grammatical errors.

By avoiding these common mistakes, you will be able to craft an effective and professional cover letter that will make you a standout candidate for the Claims Adjuster role.

Key takeaways

A Claims Adjuster cover letter is an important aspect of your job application package as it boosts your chances of getting an interview. Therefore, you must invest your time and effort in writing an impressive cover letter. Here are some essential tips to keep in mind when writing a Claims Adjuster cover letter:

• Focus on the employer’s needs: Before you get started, take the time to research the employer and find out what they’re looking for in a Claims Adjuster. This will help you tailor your cover letter to their specific needs.
• Highlight your accomplishments: Make sure to highlight your successes and accomplishments in the Claims Adjuster field. This will demonstrate to the employer that you are a capable and competent professional.
• Showcase your skills: Use your cover letter to showcase your skills and abilities as a Claims Adjuster. Make sure to emphasize any experience you have in customer service, problem- solving, and research.
• Be concise: The key to an effective cover letter is to be concise and direct. Avoid long- winded sentences and stick to the main points.
• Proofread: Always take the time to proofread your cover letter to ensure there are no grammar or spelling errors.

Following these tips will help you write an impressive Claims Adjuster cover letter. Take the time to craft a thoughtful and well- written cover letter and you will have a much greater chance of success.

Frequently Asked Questions

1. how do i write a cover letter for an claims adjuster job with no experience.

As a Claims Adjuster with no experience, it can be difficult to know how to write an effective cover letter. However, there are certain things you can focus on in your cover letter to make sure it stands out from the competition.

Begin your cover letter by introducing yourself and explaining your interest in the Claims Adjuster position. Next, explain your qualifications and any related experience that you have that may be relevant to the job. You might include previous customer service roles, organization, communication, and research skills that you possess.

Finally, illustrate your enthusiasm for the role, and encourage the reader to contact you for an interview. Don’t forget to check your cover letter for errors and typos.

2. How do I write a cover letter for an Claims Adjuster job experience?

If you already have Claims Adjuster experience, your cover letter should focus on the specific accomplishments you achieved in your previous roles. Begin your cover letter by introducing yourself and explaining your interest in the Claims Adjuster position.

Next, highlight your qualifications and emphasize any related experience that you have. You can mention how many years of Claims Adjuster experience you have, as well as any awards or recognition that you earned. Be sure to illustrate how your experience has prepared you for the role and make sure to emphasize your ability to work with customers, as well as your skills in research and organization.

Finally, highlight your enthusiasm for the role and encourage the reader to contact you for an interview.

3. How can I highlight my accomplishments in Claims Adjuster cover letter?

When highlighting your accomplishments in your Claims Adjuster cover letter, focus on specific achievements that are related to the position. For example, you can mention any awards or recognition that you have earned in the Claims Adjuster field.

You can also illustrate how your experience has prepared you for the role, such as your ability to research, analyze data, and create accurate and efficient solutions. Be sure to explain how your experience has helped you to excel in the Claims Adjuster field.

Finally, emphasize your enthusiasm for the role and explain why you are the ideal candidate for the position.

4. What is a good cover letter for an Claims Adjuster job?

A good cover letter for a Claims Adjuster job should focus on your relevant qualifications and experience. Begin your cover letter by introducing yourself and explaining your interest in the Claims Adjuster position.

Next, explain your qualifications and any related experience that you have. Be sure to illustrate how your experience has prepared you for the role and emphasize your ability to work with customers, as well as your skills in research and organization.

In addition to this, be sure to check out our cover letter templates , cover letter formats ,  cover letter examples ,  job description , and  career advice  pages for more helpful tips and advice.

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Insurance Claims Adjuster Cover Letter Example

The insurance Claims Adjuster examines claim forms and determines the right amount of insurance coverage. They also review police reports, physical property damage, and medical treatment to estimate the liability loss or amount the client would have incurred. To ensure success in this field, a strong ability to treat customers with respect, and the ability to communicate well are crucial.

Whether it is your next job on the line, or it is your first one, you can’t afford to take chances and write a mediocre Insurance Claims Adjuster Cover Letter . Prove your worth either by downloading our cover letter examples, or write your one after reading our industry-tailored tips. On this page, we’ve created Insurance Claims Adjuster Cover Letter with no experience, apart from the regular Insurance Claims Adjuster Cover Letter Samples!

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• Accounting & Finance

Insurance Claims Adjusters ensure that the insurance company pays for the losses the client suffers from. These professionals are hired by the insurance company to inspect the client’s property damage, or personal injury claims and collect all relevant information. Consequent to this, they determine the amount of claim the insurance company should pay to the client, after interviewing witnesses and examining the damage.

What to Include in a Insurance Claims Adjuster Cover Letter?

Roles and responsibilities.

• Inspecting the client’s property and physical damage.
• Examining claim liability.
• Analyzing complex information by sourcing various methods.
• Preparing and processing claim reports.
• Calculating benefits and payments.
• Consulting with specialists such as engineers, and physicians .
• Negotiating settlements with claimants.
• Supporting attorneys in case of contestation and defending the company.
• Examining policy reports, CCTV, and audio if applicable.

Education & Skills

Insurance claims adjuster skills:.

• Demonstrating specific knowledge of the medical, automobile, and property insurance industry.
• Translating legal terminology into layman’s terms.
• Familiarity with basic office equipment such as fax equipment, and multi-line phone system.
• Professional and polite demeanor.
• Exhibiting excellent interpersonal and interviewing skills.
• Solid analytical and interpretive skills.

Insurance Claims Adjuster Education Requirements:

• Bachelor’s degree in finance, economics, or accounting.
• Working experience in the insurance industry.

Insurance Claims Adjuster Cover Letter Example (Text Version)

Dear Mr./Ms.

I am writing this letter to express my strong desire to join your company as your next Insurance Claims Adjuster. I am a professional with a Bachelor’s degree in Finance and five years of experience in the insurance industry. In my current role as an insurance claims adjuster with ***, I respond to customers’ claims calls and provide them with all related claims information, and conduct investigations to write incident reports that are needed by the senior management.

I have complete knowledge of pertinent rules, and regulations, and pay keen attention to detail. I also am well-versed in spotting inconsistencies and patterns in accounts quickly. My strong communication and critical thinking abilities are sharp enabling me to cool agitated clients by giving them informed advice relating to their cases. While working at ***, I gained hands-on practical knowledge of the working of insurance claims, and have dealt with the customer directly and given the correct decisions.

Throughout my career, I was praised by my senior management, peers, and customers for my excellence and patience to work hard even during peak season. My efficiency to work without minding time has earned me accolades and awards for more than three years consequently. I would like to bring this professionalism to your claims department at *** and be a valuable addition to your team.

Having said this, I would also promise that I would love to keep your claimants happy, and satisfied. In addition to my experience, I have successfully passed security and background checks, and have a strong knowledge of local, state, and federal insurance-related policies. If you feel that I would be a good fit for this role, then call me at () or mail me at () to schedule an interview. Thank you in advance.

Hoping to hear from you at your earliest convenience.

Sincerely, [Your Name]

Insurance Claims Adjuster Cover Letter Example with No Experience(Text Version)

I would like to introduce myself as a candidate for the Insurance Claims Adjuster position at ***. I noticed that your job listing called for a fresher applicant who is prepared to excel at working directly with claimants and maintaining customer satisfaction throughout the claim investigation and refund process. Hence, I would love to use this opportunity to prove that my academic credentials and my soft skills will be a valuable asset to your company, and you can consider me for this role without any further thought.

I have some internships to my credit apart from my educational profile – which includes surveying incident sites, looking for evidence, and completing related database work. My educational experience and my finely-honed observation skills coupled with my keen attention to detail make me an excellent candidate for ***.

My most important qualifications and achievements include –

• Thorough knowledge of the working of insurance claims and processes.
• Strong communication skills to speak politely and comfortably with people coming from all walks of life.
• The ability to communicate and interact well with agitated clients who are in hardship as they face accidents or major breakdowns.
• Demonstrable knowledge of all current coverage laws, regulations, and eligibility standards.
• Outstanding investigative abilities, and the ability to take informed decisions relating to the cases.
• Knowledge and proficiency in using proprietary software to calculate claims pay-outs.
• Earned bachelor’s degree in Economics from ***University.

One major thing that sets me apart from other applicants is my ability to converse well and think out of the box. I have strong interpersonal skills and a psychological mindset which will enable me to get the truth out of witnesses, and claimants. If you feel that my profile matches your requirements, then feel free to contact me at *** or mail me at ****.

Thank you for your consideration! Looking to hearing from you soon!

No idea how to start writing a cover letter for your Insurance Claims Adjuster job as this is the first job you are ever applying for. Get the ball rolling with our examples, and tips on how to write an impressive cover letter –

• Whether you are seeking an entry-level position, or have been in your career for a few years, showcase your relevant achievements in your cover letter.
• If you are a fresher, fill your cover letter with your academic credentials, any volunteer work that you had done, or you can even specify the internship you had completed in your respective field.
• If you are an experienced applicant, mention your knowledge of examining damage to property and people, and the ability to collate various sources of information. Such a statement will help the hiring manager to see you as an ideal candidate for this role.

If you are applying for the Insurance Claims Adjuster position, you will need a resume as well. Check this out over here at our Insurance Claims Adjuster Resume Samples page.

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Claims Adjuster Cover Letter Examples & Writing Tips

Use these Claims Adjuster cover letter examples and writing tips to help you write a powerful cover letter that will separate you from the competition.

Table Of Contents

• Claims Adjuster Example 1
• Claims Adjuster Example 2
• Claims Adjuster Example 3
• Cover Letter Writing Tips

Claims adjusters are responsible for investigating and resolving insurance claims. They must be able to handle difficult situations and have a strong understanding of insurance policies.

To show hiring managers that you’re the right person for the job, you need a cover letter that highlights your skills and experience.

Check out the examples and tips below to learn how to write a cover letter for a claims adjuster position.

Claims Adjuster Cover Letter Example 1

I am excited to be applying for the Claims Adjuster position at Topdown Insurance. I have more than five years of experience as a Claims Adjuster and have a proven track record of efficiently and effectively resolving claims. I am confident that I have the skills and experience to be a valuable member of the Topdown Insurance team.

In my previous role at ABC Insurance, I was responsible for handling a caseload of property and casualty claims. I was able to successfully resolve 95% of my claims within the first 30 days. I have a deep understanding of the insurance claims process and the various laws and regulations that impact claims. I am also proficient in the use of insurance software and have experience working with both internal and external stakeholders.

Most importantly, I have a passion for helping people. I take pride in my ability to provide excellent customer service to my clients and to work collaboratively with my team to resolve claims quickly and fairly.

Thank you for your time and consideration. I look forward to speaking with you about the Claims Adjuster position at Topdown Insurance. I am confident that I have the skills and experience to be a valuable member of your team.

Claims Adjuster Cover Letter Example 2

I am writing to apply for the Claims Adjuster position that was recently advertised on your company website. I am confident that I have the skills and qualifications that you are looking for, and I am eager to put my experience to work for your company.

As a Claims Adjuster for the past three years, I have successfully handled a wide range of claims. I have a deep understanding of the insurance industry and the laws and regulations that govern it. I am also an expert at investigating and assessing claims, and I have a proven track record of being able to settle claims quickly and fairly.

In addition to my experience and skills, I am also a highly motivated and driven individual. I am always looking for new challenges and opportunities to learn and grow. I am confident that I have the skills and qualifications to be a valuable asset to your company, and I am eager to put my experience to work for you.

I would like to thank you for your time and consideration, and I look forward to hearing from you soon.

Claims Adjuster Cover Letter Example 3

I am writing to express my interest in the Claims Adjuster position that you have posted. I believe that my experience as a claims adjuster, coupled with my education and training, makes me an excellent candidate for this position.

I have been working as a claims adjuster for the past five years. My experience has given me the opportunity to work on a variety of different types of claims, ranging from property damage to personal injury. I have worked on both small and large claims, which has given me the chance to develop my skills in all areas of claims adjusting. I have also had the opportunity to work on some very high-profile cases, which has given me valuable experience in dealing with the media and public scrutiny.

My experience has also given me the chance to work with a wide range of people. I have worked with clients who have suffered injuries or lost their property, as well as with insurance companies and other professionals involved in the claims process. This has given me the chance to develop my interpersonal skills, which are essential for any claims adjuster.

I am confident that my education and training make me an ideal candidate for this position. I am also confident that my experience will allow me to hit the ground running when it comes to handling your current caseload. I am available at your convenience to answer any questions you may have about my resume or qualifications. I look forward to hearing from you soon.

Claims Adjuster Cover Letter Writing Tips

1. highlight your customer service skills.

Since the main responsibility of a claims adjuster is to provide excellent customer service, it’s important to highlight this skill in your cover letter. Some great ways to do this include:

• Describing a situation where you had to go above and beyond to help a customer resolve a problem.
• Mentioning any awards or recognition you’ve received for providing excellent customer service.
• Explaining how you’ve helped to reduce the number of complaints from customers.

2. Customize your cover letter

Since every company has different needs, it’s important to customize your cover letter to match the specific job you’re applying for. For example, if the job listing asks for someone with experience in workers’ compensation, be sure to highlight any relevant experience you have in that area.

3. Showcase your problem-solving skills

As a claims adjuster, you’ll be faced with a variety of problems on a daily basis. To show hiring managers that you’re capable of handling these challenges, highlight your problem-solving skills in your cover letter.

Some ways of doing this include:

• Describing a time when you had to come up with a solution to a difficult problem.
• Outlining the steps you took to solve a problem.
• Mentioning any courses or training you’ve taken that have helped you develop your problem-solving skills.

4. Proofread your cover letter

Since claims adjusters are responsible for reviewing and approving claims, it’s important that your cover letter is free of any errors. Hiring managers will be looking for someone who is detail-oriented and can pay close attention to the small details. Make sure to proofread your cover letter multiple times to avoid any mistakes.

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Claim Adjuster Cover Letter Example

Get more job offers & learn how to improve your cover letter with this downloadable Claim Adjuster cover letter example. Copy and paste this cover letter example for free or revise it in our online cover letter maker.

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Claim Adjuster Cover Letter Example (Full Text Version)

Svenn Sahlberg

Dear Human Resources Manager,

As a Claims Adjuster with 3 years of experience in financial services, I apply with enthusiasm for this position.

I am currently a Claims Adjuster at SPAGO Group, where I ensure that professional claims by commercial and government payers are submitted and paid in a timely manner. Mirroring your requirements, I:

• Handle pre-adjudication, resolution, and follow-up tasks for approximately 200 claims per month
• Ensure claims are complete and compliant with applicable regulations/payer requirements
• Negotiate settlement of claims with insureds, claimants, and others up to a $1m limit
• Participate in examinations under oath, depositions, mediations, and testimony during litigation
• Am very familiar with financial services, health, government, and corporate terminology

In addition to my experience, I hold a Bachelor of Accounting & Finance and have successfully passed security and background checks. I have strong problem-solving and issue resolution skills, as well as superb attention to detail and very effective communication and interpersonal skills. I also have strong knowledge of local, state, and federal insurance-related policies.

Please find attached my resume for your consideration. Thank you very much for your time. I look forward to hearing from you regarding next steps.

Yours faithfully,

Milan Šaržík, CPRW

Milan’s work-life has been centered around job search for the past three years. He is a Certified Professional Résumé Writer (CPRW™) as well as an active member of the Professional Association of Résumé Writers & Careers Coaches (PARWCC™). Milan holds a record for creating the most career document samples for our help center – until today, he has written more than 500 resumes and cover letters for positions across various industries. On top of that, Milan has completed studies at multiple well-known institutions, including Harvard University, University of Glasgow, and Frankfurt School of Finance and Management.

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Insurance Claims Adjuster Cover Letter Examples & Writing Guide

By Megainterview Team

• Updated August 30, 2023
• Published July 23, 2023

Are you looking for an Insurance Claims Adjuster cover letter example? Read our ultimate Insurance Claims Adjuster cover letter writing guide and learn from tips, examples, and proven strategies to land a job interview.

Insurance claims adjusters play a crucial role in the insurance industry, as they are responsible for evaluating and settling insurance claims made by policyholders. They are tasked with determining the validity and amount of a claim, conducting investigations, and negotiating settlements with claimants. A cover letter is an essential component of an applicant’s job application, as it provides an opportunity to showcase one’s qualifications and express their interest in the position.

A well-written cover letter can make all the difference when applying for an insurance claims adjuster job. It should highlight your relevant skills, experience, and achievements in the field. The cover letter should also demonstrate your understanding of the insurance industry and the role of claims adjusters. It should be tailored specifically to the position being applied for and grab the hiring manager’s attention, highlighting your unique qualities and making them stand out from other candidates.

What does an Insurance Claims Adjuster do?

An Insurance Claims Adjuster is a professional who investigates insurance claims to determine the extent of coverage and the appropriate settlement amount. They work for insurance companies and are responsible for assessing the validity of insurance claims, analyzing policy details, and verifying the cause and extent of the reported loss or damage.

Insurance Claims Adjusters conduct interviews with policyholders, witnesses, and relevant parties to gather information and evidence for their evaluation. They may also visit accident scenes or damaged properties to assess the extent of the loss. Based on their investigations, they negotiate and settle claims with claimants or their representatives. Additionally, Claims Adjusters maintain detailed records, prepare reports, and work with legal and medical experts when necessary to accurately assess and resolve claims in a timely manner.

Insurance Claims Adjuster Cover Letter

Below we discuss some essential points to focus on when writing your cover letter.

• Insurance Knowledge and Expertise : In your cover letter, highlight your understanding of insurance policies and claim procedures. Showcase any relevant certifications or training in insurance adjusting and your experience in the insurance industry.
• Investigative and Analytical Skills : Claims Adjusters need to be detail-oriented and possess strong investigative and analytical skills. Illustrate your ability to gather and evaluate information, assess damages, and make fair and accurate claim assessments.
• Communication and Negotiation Abilities : Claims Adjusters interact with claimants and various stakeholders, so effective communication and negotiation skills are crucial. Emphasize your ability to handle challenging conversations and negotiate settlements professionally and courteously.
• Time Management and Prioritization : Claims Adjusters often handle multiple claims simultaneously. Showcase your time management skills and your ability to prioritize tasks to ensure prompt and efficient claim resolution.

In summary, an Insurance Claims Adjuster investigates insurance claims, assesses damages, and negotiates settlements to ensure fair compensation for policyholders. When writing a cover letter for an Insurance Claims Adjuster position, highlight your insurance knowledge and expertise, investigative and analytical skills, communication and negotiation abilities, and time management and prioritization capabilities.

Tailor your cover letter to the specific insurance company, expressing your genuine interest in contributing your expertise to accurately and efficiently resolve claims and supporting the company’s commitment to excellent customer service and claim handling.

Insurance Claims Adjuster Cover Letter Example 1

Dear [Hiring Manager],

I am writing to express my keen interest in the Insurance Claims Adjuster position at [Company Name]. With a strong background in insurance claims processing and a passion for providing exceptional customer service, I am confident that my skills and experience align perfectly with the requirements of the role.

As a detail-oriented professional with [number of years] of experience in the insurance industry, I have a proven track record of accurately evaluating and settling claims efficiently. I possess an in-depth understanding of insurance policies, regulations, and industry best practices, which enables me to handle complex claims with precision and fairness.

Throughout my career, I have demonstrated excellent communication and negotiation skills, allowing me to work collaboratively with clients, attorneys, and other stakeholders to reach fair and satisfactory claim resolutions. I take pride in my ability to provide empathetic support to policyholders during challenging times, earning their trust and loyalty.

I am excited about the opportunity to contribute my expertise and dedication to the success of [Company Name]. I believe my strong analytical mindset, adaptability, and commitment to excellence make me a valuable asset to your claims team.

Thank you for considering my application. I am eager to discuss how my skills can benefit [Company Name]’s mission and look forward to the possibility of joining your team as an Insurance Claims Adjuster.

Insurance Claims Adjuster Cover Letter Example 2

As a seasoned insurance professional with a passion for accuracy and customer satisfaction, I am excited to apply for the Insurance Claims Adjuster position at [Company Name]. With a successful track record of [number of years] years in claims assessment and resolution, I am confident in my ability to contribute effectively to your team.

Throughout my career, I have honed my skills in evaluating, investigating, and settling claims, ensuring fair and prompt resolution for policyholders. My comprehensive understanding of insurance policies and regulations has enabled me to handle diverse claim scenarios with meticulous attention to detail.

I thrive in fast-paced environments and have a proven ability to manage a high volume of claims without compromising quality. Moreover, my strong communication and negotiation skills have been instrumental in fostering positive relationships with clients, colleagues, and external stakeholders.

At [Company Name], I see an opportunity to align my expertise with a dynamic organization known for its commitment to excellence. I am eager to contribute my problem-solving abilities and dedication to superior customer service to further enhance your claims department’s effectiveness.

Thank you for considering my application. I am eager to discuss my qualifications further and learn more about the exciting opportunities at [Company Name] as an Insurance Claims Adjuster.

Insurance Claims Adjuster Cover Letter Example 3

I am writing to express my strong interest in the Insurance Claims Adjuster role at [Company Name]. With a background in insurance claims management and a proven ability to deliver efficient and fair claim resolutions, I believe I would be a valuable addition to your team.

Having worked in the insurance industry for [number of years] years, I possess a comprehensive understanding of policy coverage and claim processing procedures. My exceptional attention to detail and analytical skills allow me to assess claims accurately and expedite the settlement process while maintaining compliance with industry regulations.

I take pride in my ability to communicate clearly and empathetically with policyholders during challenging times, ensuring a positive customer experience throughout the claims process. Furthermore, my strong negotiation skills have resulted in successful resolutions and minimized financial losses for both clients and the company.

I am impressed by [Company Name]’s commitment to excellence and dedication to serving its customers with integrity. I am enthusiastic about the opportunity to contribute my expertise to your reputable organization and help maintain your high standards of customer satisfaction.

Thank you for considering my application. I would welcome the chance to discuss how my skills and experience align with [Company Name]’s goals as an Insurance Claims Adjuster in more detail.

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Insurance Claims Adjuster Cover Letter Example 4

I am writing to express my keen interest in the Insurance Claims Adjuster position at [Company Name]. With a proven track record of [number of years] years in effectively handling insurance claims, I am eager to bring my expertise and dedication to your esteemed organization.

Throughout my career, I have demonstrated a strong ability to assess and analyze complex claims, ensuring accurate and timely settlements for policyholders. My thorough knowledge of insurance policies, combined with my attention to detail, allows me to navigate through intricate claim scenarios with efficiency and fairness.

Customer satisfaction is at the forefront of my approach. I am skilled in providing compassionate and professional assistance to policyholders, making them feel supported and valued throughout the claims process. My communication and negotiation abilities have facilitated positive outcomes while maintaining positive relationships with all stakeholders involved.

Thank you for considering my application. I would welcome the opportunity to further discuss my qualifications and how I can contribute to the success of [Company Name] as an Insurance Claims Adjuster.

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Insurance Claims Adjuster Cover Letter Example 5

I am excited to apply for the Insurance Claims Adjuster position at [Company Name], as advertised. With a solid background in insurance claims handling and a passion for delivering exceptional service, I am confident that my skills align perfectly with the requirements of the role.

As an experienced Insurance Claims Adjuster with [number of years] years in the industry, I have honed my expertise in evaluating, investigating, and resolving a wide range of claims. I am well-versed in interpreting insurance policies and ensuring adherence to regulatory guidelines throughout the claims process.

My ability to efficiently analyze claims data and apply fair settlement practices has consistently resulted in positive outcomes for both policyholders and the company. I possess strong communication skills, allowing me to build rapport with clients and collaborate effectively with colleagues and external partners.

I am drawn to [Company Name] for its reputation as a leader in the insurance industry and its commitment to client satisfaction. I am eager to contribute my skills to a dynamic team that values excellence and continuous improvement.

Thank you for considering my application. I look forward to the opportunity to discuss how my qualifications and dedication make me a strong fit for the Insurance Claims Adjuster position at [Company Name].

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Insurance Claims Adjuster Cover Letter Writing Tips

Below, you will find some general and specific tips that you can use to your advantage when writing your cover letter.

General Tips:

• Customize the cover letter to the specific position you are applying for.
• Address the letter to the hiring manager or the person in charge of the hiring process.
• Use a clear, concise, and professional tone throughout the letter.
• Avoid using any slang or colloquial language.
• Be sure to proofread your cover letter to avoid any spelling or grammar mistakes.

Specific Tips:

• Start by highlighting your experience in the insurance industry, specifically in claims adjusting.
• Mention any relevant training or certifications you have received.
• Explain how your experience and qualifications make you an ideal candidate for the role.
• Highlight your problem-solving skills and ability to assess claims efficiently and effectively.
• Provide examples of how you have successfully handled claims in the past, highlighting your attention to detail and ability to work under pressure.
• Emphasize your ability to communicate effectively and work well with clients and other stakeholders.
• Conclude by expressing your interest in the position and your enthusiasm for the opportunity to join the company.

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Claims Adjuster Cover Letter / Job Application Letter

Claims adjuster sample cover letter in response to job ad, claims adjuster sample cover letter when you know the company or person, claims adjuster sample cover letter to recruitment agency, claims adjuster sample cover letter - general purpose, claims adjuster sample cover letter - checking for vacancy.

Insurance Adjuster Cover Letter Example: 4 Templates

When writing an insurance adjuster cover letter, mention in it, why you think you are the perfect candidate for this position and why you want to be a part of this organization. For reference, you can view the below-given samples.

Template : 1

Table of Contents

Insurance Adjuster Cover Letter

James Brown

238 Broadway

United States

The HR Manager

XYZ Company

354 F 63rd Street

Sub: Cover letter for the post of an insurance adjuster

Dear Mr. or Mrs. or Ms. HR Manager,

With immense pleasure, I am writing this letter to apply for the post of insurance adjuster at [mention the name of the organization]. Working at this renowned organization and making a name in this field is my goal and I have all the necessary knowledge, abilities, and experience to call myself the best candidate for this role.

From [mention the name of the educational institution] I have a [mention the degree] and from [mention the name of the educational academy] I have an extra [mention the name of the course certificate] that helped me a lot in my career so far.

For around [mention the time period] I worked as an insurance adjuster at [mention the name of the company] and there I negotiated settlements with claimants, calculated payments and benefits, consulted with specialists, prepared and processed the claim reports, examined claim liability, analyzed complicated information from different sources, inspected the property and physical damage.

Mentioning my skills, I have all that you would expect from an able insurance adjuster working in your company. I have a compassionate and resilient personality, I have strong mathematical and analytical skills, and working experience in using appraisal software. I aim to gain even more abilities as I start working in your reputable firm.

I am eager to join this notable organization and if you allow me to serve here then I will never disappoint you.

[Handwriting signature]

[Mention the contact details]

[Mention here, if there is any post note to be given]

Template : 2

This letter is written in reference to the ad posted by [mention the name of the organization] in [mention the name of the job portal] regarding the vacancy for an insurance adjuster. I am interested to apply for the position. All thanks to a solid academic record, top-notch skills, and years of experience, I believe I can myself the ideal candidate for this post.

I am a hardworking and responsible person who has always dreamed of becoming a successful insurance adjuster someday. I possess a prestigious [mention the degree] from [mention the name of the educational institution] and [mention the name of the course certificate] from [mention the name of the educational academy].

For more than [mention the number of years], I served at [mention the name of the organization] as an insurance adjuster, and there, my job responsibilities included helping attorneys and other specialists when defending the firm against contestation, compiling reports of investigation findings, consulting with the specialists like architects, lawyers, engineers and physicians, investigating questionable claims, and preparing reports for use by claims examiners.

I have strong interpersonal skills, exceptional written and verbal communication skills, competency with spreadsheet software, and good math skills. I hope to acquire even more as I continue serving in this field.

I will make a significant contribution to the growth of the organization if you allow me to become a part of it.

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Letter Templates & Example

Sample Letter to Insurance Adjuster: A Guide to Writing an Effective Claim Letter

Hey there, are you dealing with an insurance claim and struggling to put together a compelling letter to the insurance adjuster? Don’t worry, we’ve got you covered! We have put together some sample letters that you can use as a starting point and edit as needed to make them work for your specific situation. Crafting a letter to an insurance adjuster can be intimidating, especially if you’re not sure where to start. But with our sample letters, you’ll have a solid foundation to build upon and can save yourself time and stress in the process. So take a look at our examples, and let us help make the process a little bit easier for you!

Best Structure for a Sample Letter to an Insurance Adjuster

When writing a letter to an insurance adjuster, it is important to follow a clear and concise structure for the best chances of getting a positive response. Here is a simple guideline to consider when crafting your letter.

1. Start with a clear introduction In your opening paragraph, introduce yourself and provide any pertinent information, such as your policy number, policy holder name, and claim number. This will help the adjuster quickly identify you and your claim. You can also briefly explain the purpose of your letter and what you are hoping to achieve.

2. Provide clear and detailed descriptions In the body of your letter, provide clear and detailed descriptions of the accident or incident that prompted your claim. Be sure to include relevant information such as date, time, location, and the parties involved. This will help the adjuster get a clear understanding of the situation and make an informed decision.

3. Include supporting evidence or documentation Support your descriptions with any relevant evidence or documentation, such as photos, police reports, or medical records. This will help build credibility for your claim and provide the adjuster with all the necessary information they need to process your claim.

4. State your demands or requests In the closing paragraph, state your demands or requests. Whether it is for reimbursement of medical expenses or compensation for property damage, be clear and specific with your request. Remember to be respectful and courteous in your tone, as this can go a long way in building a positive relationship with the adjuster.

5. End with a polite closing In your final paragraph, thank the adjuster for their time and consideration, and provide your contact information if they need to get in touch with you. End with a polite closing such as “Best regards” or “Sincerely” to leave a positive impression.

In conclusion, following a clear and concise structure can help you write an effective letter to an insurance adjuster. Be sure to provide all necessary information, evidence, and requests, and maintain a respectful and courteous tone throughout your communication.

Seven Sample Letters to Insurance Adjuster

Re: recommendation on auto insurance claim.

Dear Insurance Adjuster,

I am writing this letter to recommend that the insurance company approves the auto insurance claim of my client, John Doe. John was involved in a car accident on the 15th of April, and his car was badly damaged as a result. Through my investigation and firsthand experience, I believe that John is entitled to full compensation for the damages incurred.

The accident was not John’s fault, and he has valid proof of this. The police report indicates that the other driver was at fault and received a traffic ticket as a result. Furthermore, John’s car was badly damaged, and the repair estimate exceeds his plan’s limit. In light of this, I urge you to pay John’s claim in full so that he may recover from this ordeal and move forward with his life.

Thank you for your understanding and prompt attention to my recommendation.

Best Regards,

[Your Name]

Re: Recommendation on Workers’ Compensation Claim

I am writing this letter to recommend that the insurance company approves the workers’ compensation claim of my client, Jane Smith. Jane was injured on the job on the 23rd of January this year and has been unable to work since. She has been receiving treatment and rehabilitation, and I believe she is entitled to compensation for lost wages and medical bills.

As her attorney, I have thoroughly reviewed the details of Jane’s case and have concluded that her injuries were a direct result of her job requirements. Her employer has validated this claim and acknowledges their responsibility for the situation. Therefore, I would recommend that Jane’s case be approved in full so that she may collect the compensation she deserves for her inability to work and her high medical expenses.

Thank you for your kind attention to this matter, and I look forward to your prompt response.

Re: Recommendation on Homeowners Insurance Claim

I am writing this letter to recommend that the insurance company approve the homeowners insurance claim of my client, Tom Johnson. Tom’s home was damaged by a severe storm on the 7th of July last year, and he has been struggling to get the compensation he deserves for the past few months.

I have reviewed the details of Tom’s case and can confirm that the damage to his home was caused by the storm, which is included in his insurance coverage policy. The adjuster who initially evaluated the claim underappreciated the damages that the storm caused, which is why Tom’s claim was rejected. However, I believe that you will recognize that the damages to the roof, ceilings, and walls were far more severe than was initially perceived, and that Tom deserves compensation according to his policy.

Thank you for your attention to this matter, and I look forward to your prompt resolution of this claim.

Re: Recommendation on Medical Insurance Claim

I am writing this letter to recommend that you approve the medical insurance claim of my client, Michael Brown. Michael has been fighting an illness for the past few months and has had to undergo several costly procedures and treatments while in the hospital. All these medical expenses add up to a substantial amount above his policy limit.

As a physician, I have firsthand knowledge of Michael’s previous medical history and can confirm that his illness is severe and requires extensive treatment. There is no question that the expenses incurred are legitimate and valid. Therefore, I urge you to approve Michael’s claim in full to provide him with financial relief and allow him to focus on his recovery.

Thank you for your kind understanding, and I look forward to a prompt response to this matter.

Re: Recommendation on Liability Insurance Claim

I am writing this letter to recommend that the insurance company approves the liability insurance claim of my client, Sarah Brown. Sarah was involved in a car accident with another driver on the third of March this year, which resulted in injury to the other driver. Sarah has valid liability coverage and will need the insurance company’s help to provide the other driver with the compensation he deserves for his injuries.

Through my independent investigations of the accident, I have concluded that there is no question that Sarah was at fault for the collision. On behalf of my client, I am urging you to approve this claim, acknowledging Sarah’s responsibility, and paying out fair compensation to the injured driver.

Thank you for understanding the severity of this matter, and I look forward to your swift resolution.

Re: Recommendation on Flood Insurance Claim

I am writing this letter to urge you to approve the flood insurance claim of my clients, Joe and Clara Davis. Joe and Clara’s home was severely flooded on the 5th of September last year, which resulted in catastrophic damage to their property, including their home’s foundation and the surrounding areas. The damage is very well documented in pictures, videos, and reports that they provided.

Having reviewed the details of the case, I believe that Joe and Clara are entitled to the maximum amount of compensation under their flood insurance policy. The flood was sudden and unexpected, and completely out of their control. Their policy provides for the damage they experienced, and the adjuster initially assigned to their case was unable to accurately assess the full extent of the damage. Hence, I am urging you to approve Joe and Clara’s claim in full, recognizing the severity of their situation and the losses they suffered.

Thank you for your prompt attention to this recommendation, and I look forward to hearing from you soon.

Re: Recommendation on Disability Insurance Claim

I am writing this letter to recommend that the insurance company approves the disability insurance claim of my client, James Smith. James has been unable to work since his accident on the 2nd of April and must maintain his monthly expenses, which are quickly piling up.

I have reviewed the details of James’s case and can attest to his disability and inability to work. He has been diagnosed by his physician as being unfit to work given his condition. Thus, I recommend that you approve his disability claim in full to provide James with financial relief and maintain his monthly expenses during his period of disability.

Thank you for your kind attention to this matter, and I look forward to your response in due course.

Tips for Writing a Sample Letter to an Insurance Adjuster

When writing a sample letter to an insurance adjuster, it is important to be concise, clear and professional. Here are some tips to help you craft a letter that will effectively communicate your message:

1. Start with a clear introduction Begin the letter by introducing yourself and briefly explaining the situation. Clearly state the policy number, date and time of the incident, and any other relevant details. Provide an overview of the damages that occurred and do not forget to mention any injuries sustained.

2. Provide detailed information Include as much detailed information as possible, such as receipts and repair estimates. Be sure to explain how each item is related to the claim and why it is necessary for the adjuster to consider it. This will help support your claim and make it easier for the adjuster to assess the damages.

3. Be professional and respectful Even if you are frustrated or angry about the situation, it is important to maintain a professional and respectful tone throughout the letter. Avoid using aggressive or threatening language, and remember to express gratitude for the adjuster’s time and attention. A positive and cooperative attitude can go a long way towards resolving the claim quickly and smoothly.

4. Explain your desired outcome Clearly state what you hope to achieve from the claim. Whether it is a monetary settlement or the repair/replacement of damaged property, be specific and realistic in your request. This will help the adjuster understand what is needed to resolve the claim and may speed up the process.

5. Provide contact information Make sure to provide the adjuster with up to date and accurate contact information. Include your full name, address, phone number, and email address so that they can reach out to you if necessary. It is also a good idea to request the adjuster’s contact information so that you can follow up if you have any questions or concerns during the claim process.

Remember, a well-written letter can help expedite the claims process and increase your chances of receiving the best possible outcome for your claim. Following these tips can help you to effectively communicate your message to the insurance adjuster and obtain a favorable resolution to your claim.

Frequently Asked Questions about Sample Letter to Insurance Adjuster

What is a sample letter to an insurance adjuster?

A sample letter to an insurance adjuster is a template that helps you write a letter to an insurance adjuster for your insurance claim. It contains a standard format and necessary details that help to get your insurance claim approved.

Why is a sample letter to an insurance adjuster essential?

A sample letter to an insurance adjuster is essential because it helps you write a professional letter with all the necessary details. It ensures that you provide the right information in the right format so that your claim gets approved sooner.

What information should be included in a sample letter to an insurance adjuster?

A sample letter to an insurance adjuster should include the following information:

• Your policy number
• Date of the incident
• Description of the incident
• List of damages and repairs needed
• Copies of bills and receipts for repairs
• Your contact information

Can I modify a sample letter to an insurance adjuster?

Yes, you can modify a sample letter to an insurance adjuster as per your requirements. However, ensure that you don’t modify the essential information and follow the standard format.

How do I address the insurance adjuster in my sample letter?

You can address the insurance adjuster by using their full name and official title. For example, “Dear Mr. John Smith, Insurance Adjuster.”

Is it necessary to send all the bills and receipts with my sample letter?

No, you don’t need to send all the bills and receipts with your sample letter. You can attach them separately, or you can mention that you have attached them at the end of the letter.

What should be the tone of my sample letter to an insurance adjuster?

The tone of your sample letter to an insurance adjuster should be professional and polite. Avoid using any offensive or derogatory language, and keep your tone respectful.

Thanks for Reading!

Hopefully this sample letter to an insurance adjuster has been helpful in understanding the process of filing a claim. Remember, every claim is unique and may require different information or documentation. Don’t hesitate to reach out to your insurance company or adjuster for further guidance. And, as always, be sure to visit us again soon for more articles on navigating the world of insurance. Thanks for reading!

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Claims Adjuster Cover Letter Samples (16+ Examples)

Are you looking for a Claims Adjuster Cover Letter Sample?

If you are, then you are on the right page. In this article, we will provide you with a sample Claims Adjuster Cover Letter that can be used by anyone when applying for a job as a Claims Adjuster.

Claims Adjusters work in the insurance industry and help provide their clients with financial protection against various types of losses. 

They assess claims, determine the validity of the claims, and make recommendations based on the knowledge they have gained from training. They also negotiate settlement terms with claimants to get them to accept compensation packages offered by insurance companies.

Table of Contents

#1 Claims Adjuster Cover Letter Sample

Dear [Recruitment Manager],

I am excited to apply for the Claims Adjuster position at [company name] and would love to tell you a little bit about myself.

I have over three years of experience as an insurance claims adjuster and I have worked with several different types of insurance companies. I am currently employed as a claims adjuster at [company name], where I have been since 2017. 

As part of my role, I work with customers to determine their needs, negotiate claims on behalf of clients, and review medical records and other documents to make sure that everything is accurate before presenting it to the client’s insurance company.

I am confident that I could bring my extensive experience in this field to your organization as a Claims Adjuster. 

My strong communication skills would allow me to communicate effectively with clients and ensure that they are satisfied with the outcome of their claims. Additionally, my ability to build relationships quickly will help ensure that clients come back again when they need further assistance with their claims process.

Thank you for your time and consideration!

Sincerely yours, 

[Your Name]

Ensuring financial accuracy and compliance is crucial for any business. Our auditor cover letter samples can help you showcase your skills and expertise in the field of accounting and auditing, and secure the position you deserve.

#2 Claims Adjuster Cover Letter Sample

Dear Sir or Madam,

I am writing to apply for the claims adjuster position at [company name]. I am a recent graduate from [university] with a degree in Accounting and a minor in Law. My experience as an intern at [previous company name] has given me valuable insight into the role of a claims adjuster and the responsibilities associated with it.

I have always been interested in helping others, so being able to help people who are suffering from financial loss due to an accident or other unfortunate event is something that I am passionate about doing. 

With my knowledge of insurance claims procedures, my ability to work independently, and my attention to detail, I believe I will be able to get the job done right the first time.

Thank you for your time and consideration. Please feel free to contact me if you have any questions or would like additional information about my qualifications.

Sincerely yours,  

#3 Claims Adjuster Cover Letter Sample

Dear [name of hiring manager],

I am writing this letter to apply for the claims adjuster position you advertised on Indeed.com . I would like to thank you for considering me for this position, as well as for your time in reviewing my resume and cover letter.

My experience in insurance claims work dates back to high school when I worked as a part-time claims processor while still taking classes at night. 

After graduating from college with a degree in business administration, I spent several years working as an insurance adjuster before deciding to return to school for my master’s degree in accounting. 

Upon completion of my master’s degree, I accepted an offer with [company name] as an accountant, where I gained valuable experience working with financial data and analyzing trends in the industry.

I am confident that my experience working with clients in all stages of the claims process will be a valuable asset to you and your team. As an outside contractor or full-time employee, I would be happy to come into your office for an interview at your earliest convenience so we can get started on building a win-win relationship together!

#4 Claims Adjuster Cover Letter Sample

Dear [Hiring Manager Name],

I’m writing to you today in response to your job posting for a claims adjuster. I believe that my background, experience, and skill set would be a great fit for this job.

I have been working as a claims adjuster for [company name] for the past two years. My position has allowed me to work with a variety of clients and learn about different aspects of insurance claims. In my time there, I’ve handled everything from simple fender-benders to complex property damage cases.

I am passionate about learning new things and helping people solve problems. I believe that working as a claims adjuster would be a great opportunity for me to grow professionally while also helping customers find peace of mind after dealing with their losses.

Thank you very much for your consideration in this matter. I look forward to hearing back from you soon!

If you have a passion for automobiles and a knack for fixing things, a career as an automotive technician might be perfect for you. Our cover letter samples can help you stand out to potential employers and jumpstart your career in the automotive industry.

#5 Claims Adjuster Cover Letter Sample

Dear [name],

I’ve attached my resume for your consideration. I am a highly motivated and detail-oriented individual who is eager to learn and grow with your company. I have been a claims adjuster for [company name] for over 10 years, and I have a passion for helping people through the process of recovering from a loss.

In my time at [company name], I have learned the importance of staying calm in stressful situations and carefully documenting all relevant information. This has helped me develop strong problem-solving skills while maintaining an open mind when approaching new situations.

I would be thrilled to speak with you about this opportunity, so please don’t hesitate to reach out if you’d like to set up an interview or discuss any questions you may have about my qualifications. Thank you for your consideration!

#6 Claims Adjuster Cover Letter Sample

Dear Hiring Manager,

I am writing to express my interest in the Claims Adjuster position that has been posted on [website]. I have attached my resume for your review.

I have over three years of claims adjusting experience at [previous company], where I worked with a diverse group of clients including large corporations and small businesses. In that time, I was able to learn how to effectively collaborate with other adjusters and team members to solve problems, develop strategies, and resolve claims.

I have excellent communication skills and can communicate clearly with both customers and other stakeholders. I also have strong analytical skills, which are essential for reviewing claim files for accuracy. Finally, I can work well under pressure and meet tight deadlines.

I look forward to discussing this opportunity further with you. Please contact me at (XXX) XXX-XXXX if you would like to set up an interview or respond via email at [email address]. Thank you for your consideration of my application!

#7 Claims Adjuster Cover Letter Sample

I am writing to express my interest in the Claims Adjuster position with [company name].

I believe that I have the qualifications and experience necessary to be successful in this role.

I am an experienced Claims Adjuster who has worked in the industry for over three years. My experience includes handling all aspects of claim management, from initial investigation through settlement. I am confident that my knowledge and skills will make me an asset to your team.

I look forward to hearing from you soon!

#8 Claims Adjuster Cover Letter Sample

Dear [recipient name],

I am writing to express my interest in the open claims adjuster position at your company. I have a strong work ethic and a deep understanding of the insurance industry, which makes me an ideal candidate for this role.

I was born and raised in [city], where I graduated from [high school]. I have always been fascinated by the insurance industry and took extra classes in high school to prepare myself for a career in this field. After graduation, I went on to study at [college] where I earned my Bachelor’s degree in Business Administration with a concentration in Finance.

After college, I began working as an assistant for an insurance company in [city]. I was responsible for coordinating claims and resolving disputes between policyholders and insurance companies. 

While there, I learned how to research policies and determine if they were valid or not. This experience has given me valuable insight into how insurance companies work and how best practices can be applied when handling claims on behalf of clients.

Billing clerks play a crucial role in ensuring the financial health of a company. If you’re interested in pursuing a career in this field, check out our billing clerk cover letter samples to learn how to showcase your skills and experience in a way that grabs the attention of hiring managers.

#9 Claims Adjuster Cover Letter Sample

I am writing to apply for the claims adjuster position with [company name]. I have a strong background in the insurance industry, with over five years of experience working as a claims adjuster. In that time, I’ve helped resolve hundreds of claims and developed an expertise in understanding how various types of insurance policies work together.

I’m confident that my ability to analyze situations and make quick decisions will be an asset at [company name]. I’m also excited about the possibility of working with you to help develop new systems that can help make your company’s claims process more efficient while still providing the highest quality service.

Please feel free to reach out if you would like further information about me or my qualifications.

#10 Claims Adjuster Cover Letter Sample

I am writing to apply for the Claims Adjuster position at [company name]. I believe that my experience as a claims adjuster would make me an excellent addition to your team.

In my current role as a claims adjuster with [company name], I have been responsible for processing and evaluating all types of claims, including medical malpractice, auto accidents, and property damage. 

In addition to using my excellent communication skills to settle cases quickly and efficiently, I also use my expertise in accounting and computer systems to ensure that all relevant information is recorded accurately and that each claim is processed accurately within company guidelines.

I would love the opportunity to work with your company, whose reputation for excellence in customer service has made it one of the most respected insurance companies in the industry.

#11 Claims Adjuster Cover Letter Sample

Dear [employer name],

Thank you for taking the time to review my resume and cover letter. I am excited to apply for the claims adjuster position at your company and hope that you will consider me as a candidate.

As a claims adjuster, I will be responsible for assisting clients with handling their insurance claims. I have worked in this capacity on several occasions and believe that my experience with these duties is what makes me a strong candidate for this role at your company.

I have also had experience working in an office environment where I was required to work closely with others and manage my time effectively. This experience has helped me develop excellent communication skills, including active listening and the ability to collaborate with team members on projects. These skills are essential for success in this position.

If you need any additional information about my qualifications or would like to discuss them further, please do not hesitate to contact me at (555) 555-5555 or email me at [email address]. Thank you again for your consideration!

Managing business operations is no small feat, but with the right skills and experience, you can help organizations run more efficiently and effectively. Our business operations manager cover letter samples can help you highlight your qualifications and land the job of your dreams.

#12 Claims Adjuster Cover Letter Sample

I am writing to express my interest in becoming a claims adjuster at [company name]. I am a recent graduate from the University of [school name], and I have been actively seeking employment in the insurance industry since finishing my degree. 

I believe that my experience as an undergraduate student will be a tremendous asset to your company, as it has allowed me to develop skills in critical thinking, problem-solving, and communication that will be useful for any position within your team.

As an academic major, my coursework focused heavily on issues related to insurance. This has given me a strong foundation of knowledge regarding how claims adjusters work with each other and their clients. 

In addition, I have taken courses that have provided me with hands-on experience in working with databases and excel spreadsheets skills that are essential for any job involving data analysis.

I am excited about the prospect of joining your company and working as a claims adjuster. Please let me know if there is any way I can answer any questions or help you decide whether or not I would be a good fit for this position!

#13 Claims Adjuster Cover Letter Sample

Dear [recruiter name],

Thank you so much for taking the time to review my resume and consider me for a position at your company. I know that there are many qualified applicants, and I’m grateful that you’ve decided to consider me.

I’m writing today to let you know why I’m a good fit for the Claims Adjuster position at [company name]. My passion for helping people and problem-solving skills make me an asset in any situation. 

As a [company name] employee, I would work hard to ensure that our customers receive the best possible service and attention. The chance to be part of such an amazing team is one that I would welcome with open arms!

I believe my experience in customer service will be a huge benefit for [company name]. As someone who has had training in how to handle difficult situations with grace and professionalism, I know how important it is to treat people well both internally and externally so they trust us as an organization. 

It’s not just about providing good customer service; it’s about making sure every person who interacts with us feels valued as a human being. That’s something I understand!

#14 Claims Adjuster Cover Letter Sample

Dear [recipient’s name],

Thank you for your time and consideration. I hope this letter has given you a better sense of my qualifications for the Claims Adjuster position at [company name].

I would like to first explain that I have been working in claims for more than ten years, so I am familiar with most aspects of the process. Additionally, I have a strong background in customer service and communication skills, which are essential to this role.

I believe my expertise, experience, and commitment to excellence would be a great asset to your organization. Thank you again for your time and consideration. Please feel free to contact me at any time if you have any questions.

#15 Claims Adjuster Cover Letter Sample

I am writing to inquire about the claims adjuster position that is currently open at [company name]. I have been very interested in this role since I first read about it, and I am happy to find that it is still available. I feel like my experience, skills, and strengths make me a strong candidate for this role.

I have more than 5 years of experience in claims adjusting, including handling liability, property damage, and personal injury claims for several large insurance companies. I am confident that my experience would allow me to hit the ground running with your company if allowed to interview for the job.

In addition to my work experience as a claims adjuster, I have also worked as an administrative assistant at an insurance company for over 4 years. This experience has given me valuable insight into how an insurance company operates on a day-to-day basis, which will come in handy if hired as your new claims adjuster.

I would love the opportunity to discuss this position further with you over the phone or via Skype if possible! Thank you so much for considering me as your next employee!

#16 Claims Adjuster Cover Letter Sample

To whom it may concern,

My name is [name], and I’m writing to apply for the claims adjuster position at [company name]. I am a recent graduate of [college] with a degree in business administration, and I am currently seeking a career in the insurance industry.

I have several years of experience working as an intern for an insurance company during my time in college, where I gained valuable insight into both the SIC code system and how claims are handled. The internship also allowed me to shadow senior staff members and get a feel for what it’s like to run a successful business.

In addition to my internship experience, I have also worked as a salesperson at [your old job], which required me to work with both customers and other employees. This allowed me to develop excellent communication skills while gaining experience building relationships with people from various backgrounds.

I believe that these skills would make me an asset to your company because they will allow me to work well with other employees while ensuring that your clients’ needs are met. If given the opportunity, I will do everything possible to prove myself as someone who can be relied on by those around me.

Thank you very much for your consideration!

A career as a claims adjuster requires a deep understanding of finance and insurance. If you’re interested in pursuing this rewarding field, our claims adjuster cover letter samples can help you stand out to potential employers and showcase your expertise in the field of insurance and claims management.

#17 Claims Adjuster Cover Letter Sample

I am writing in response to your job posting for a claims adjuster.

My name is [name here], and I am interested in applying for the role. I have worked as a claims adjuster for over three years, and I would love to use my experience to help you with your insurance needs.

As a claims adjuster, I have been able to work with clients from all walks of life. My ability to communicate effectively has enabled me to build strong relationships with my clients, which is crucial for effective communication between an adjuster and their clients. As a result, most of my clients are happy with the outcome of their claims.

In addition to my communication skills, I am also skilled at identifying patterns in the data that result from an investigation into a client’s claim. 

This skill helps me ensure that all relevant information is considered before deciding on how much should be paid out on a given claim. It also allows me to develop strategies for preventing similar incidents from happening again in the future.

I hope this information helps decide whether or not I would be a good fit for your organization! Please feel free to contact me if you have any questions about my background or qualifications at [email address]. Thank you

Further Reading

Here are some additional resources to help you write a great cover letter for a claims adjuster position:

LiveCareer: Claims Adjuster Cover Letter Example – This website provides a sample cover letter for a claims adjuster position, along with helpful tips and advice for crafting a strong letter.

Indeed: Cover Letter for a Claims Adjuster – This article from Indeed offers guidance on how to write a compelling cover letter for a claims adjuster job, including what to include and what to avoid.

Cover Letters and Resume: Claims Adjuster Cover Letter Sample – This website features a sample cover letter for a claims adjuster position, along with useful tips and advice for customizing your letter to match the job requirements.

What skills should I highlight in my claims adjuster cover letter?

You should highlight any relevant skills or experience that you have in the areas of claims management, insurance, customer service, and communication. Be sure to showcase your ability to investigate claims, evaluate damages, negotiate settlements, and communicate effectively with clients and colleagues.

How can I make my claims adjuster cover letter stand out?

To make your cover letter stand out, be sure to tailor it to the specific job and company you are applying to. Use specific examples from your experience to demonstrate how you have the skills and qualifications the employer is looking for. Also, be sure to proofread carefully and ensure that your letter is error-free and professional in tone.

What should I include in the body of my claims adjuster cover letter?

In the body of your cover letter, you should introduce yourself and explain why you are interested in the position. Highlight your relevant skills and experience, and explain why you would be a good fit for the job. Be sure to show enthusiasm for the company and the role, and explain why you are excited about the opportunity.

Should I include references in my claims adjuster cover letter?

No, you should not include references in your cover letter. Instead, you can provide a separate reference list if the employer requests it. Focus on highlighting your skills and experience in your letter, and leave references for later in the hiring process.

How long should my claims adjuster cover letter be?

Your cover letter should be brief and to the point, typically no more than one page in length. Focus on highlighting your most relevant skills and experience, and explain why you are the best candidate for the job. Use concise, clear language and avoid using overly complicated or technical terms.

Costantine Edward is a digital marketing expert, freelance writer, and entrepreneur who helps people attain financial freedom. I’ve been working in marketing since I was 18 years old and have managed to build a successful career doing what I love.

Tesla will only deliver 10 Cybertrucks at its big event this month, executive says

Posted: November 21, 2023 | Last updated: November 22, 2023

In February, Mark Bova purchased a used 2018  Tesla  Model S . Before leaving the dealer , he bought  insurance  from Tesla  itself, finding the initial $93 monthly premium “really reasonable.”

Sixteen days later, as he drove along the Capital Beltway to his Maryland home, he engaged Autopilot,  Tesla ’s automated driving system. The car started beeping and lurched left — striking a median and flipping. He escaped through a window as the car filled with smoke. An ambulance rushed him to the hospital with back injuries that later required surgery.

“I’m a former Green Beret,” Bova said, referring to the U.S. Army Special Forces. “That was probably the second-most traumatic thing I've gone through other than being in combat.”

His ordeal isn’t over.  Tesla  Insurance , launched in 2019 by the electric-car company, has promised policyholders “vastly better” service than rivals, as  Tesla  chief Elon Musk put it in April 2022. Musk also said he aimed to offer “same-day” collision repairs . But Bova says he has been battling the insurer ever since the crash.

He said he waited seven months for payment on the totaled vehicle and still hasn’t been compensated for about $50,000 in medical expenses. That required a call to the automaker’s product liability department because the crash involved Autopilot, he was told. He waited on hold for hours and got hung up on four times, he said. When someone finally answered, the person promised another callback in two weeks. Four months later, he’s still waiting.

Tesla  and Musk did not respond to detailed questions from Reuters for this report.

Bova isn’t the only customer  Tesla  Insurance  has angered, according to scores of complaints in social media and online posts, including on a Better Business Bureau website, and Reuters interviews with half a dozen policyholders. While some customers in online posts have praised the insurer’s low premiums, others, like Bova, complain of waiting weeks or months for payouts and repairs, and an inability to reach claims adjusters.

Tesla  officials have said they started the insurer to solve a problem: Prospective customers walking away from car sales after getting sky-high  insurance  quotes, based on the electric vehicles ’ high collision-repair costs. Despite promising to revolutionize automobile  insurance ,  Tesla  has at times run the business on a shoestring budget, at one point with only about a dozen adjusters who were quickly overwhelmed by hundreds of claims, according to several sources familiar with the insurer’s operations.

The insurer’s problems fit into a pattern of rushed and sloppy management leading to consumer and worker harms across Musk’s empire of technology and manufacturing firms. The billionaire’s decisions have come under fire in the year since he bought Twitter, now renamed X. Advertising revenue and company value plummeted after Musk slashed the firm’s staff by more than half and introduced a series of unpopular platform changes. After Musk endorsed an antisemitic post on X last week, several major companies halted their advertising on the platform. Musk denied being antisemitic.

At  Tesla , employees shared  sensitive videos and images of owners recorded by the cars’ cameras, Reuters reported in April, prompting two U.S. senators to write Musk a letter stating that the article raised “serious questions about  Tesla 's management practices.” In July, the news agency exposed a systematic effort by  Tesla  to  overstate its vehicles’ driving range  — including by rigging the algorithm that controls in-dash estimates — leading to a federal investigation and several class-action lawsuits.

This month, a  Reuters investigation  documented at least 600 injuries at rocket-maker SpaceX, and pervasive failures to report safety data to regulators, as workers scrambled to meet Musk’s ambitious deadlines for space missions. Late last year, Reuters exposed how experiments at Musk’s brain-chip startup, Neuralink, resulted in the  unnecessary suffering and deaths  of lab animals as researchers rushed to appease Musk’s demands for speedy regulatory approvals.

Complaints about  Tesla  Insurance  are drawing scrutiny from state regulators and the plaintiffs’ bar. The Ohio Department of  Insurance  at least twice this year determined that  Tesla  had violated the state’s  insurance  regulations in handling claims, including for a lack of timely communications with a policyholder, according to correspondence obtained by Reuters through a public records request. The department was considering opening formal investigations, the records show. The agency declined to comment.

Customer complaints against auto  insurance  companies aren’t uncommon. And there’s no way to know exactly how many have been made against  Tesla  Insurance  and how its record compares with competitors’. That’s in part because regulators in some states where it does business – including California, Utah, Illinois and Virginia – consider details of complaints confidential.

In interviews, customers described their interactions with the insurer as frustrating on many levels. Phil Fioresi Sr., a stonecutter in South San Francisco, California, told Reuters it took about 15 calls to reach someone at  Tesla  Insurance  after his daughter’s car was struck by one of its policyholders in September. He called the service “totally ridiculous.”

“What do they have, three people answering phone calls?” he asked.

The insurer wouldn’t divulge the current number of claims adjusters. But the dozen or so adjusters who started handling California claims in late 2021 were quickly so swamped that resolving cases took weeks or months, the people familiar with the operations said. At the time,  Tesla  insured more than 50,000 vehicles in the state, according to California Department of  Insurance  records.

Working out of a  Tesla  office in Draper, Utah, the initial adjusters sometimes had to take on hundreds of claims each, far more than at other insurers, according to the sources with knowledge of  Tesla  Insurance ’s operations. Unlike competitors that often have separate call centers to take claim reports,  Tesla ’s adjusters had to answer the phones themselves while also handling claims.

Tesla  has since expanded into 11 more states, hired additional claims adjusters in Texas and Maryland, and has been trying to bring on more, according to LinkedIn profiles and company job listings. But accounts of delayed repairs and compensation, and long waits for service continue to appear online.

The accounts of customers interviewed by Reuters contrast sharply with  Tesla ’s bold promises to policyholders. On an earnings call in April 2022, Musk said: “Basically, the customer experience is just vastly better because if there’s an accident, there’s no argument. We’ll repair it immediately.”

He blasted the typical auto  insurance  experience as a “nightmare” of arguments with  insurance  companies, adjusters and repair centers. “So we’re trying to turn a nightmare into a dream with  Tesla  Insurance ,” he said.

Addressing high repair and insurance costs

Tesla  decided to enter the auto  insurance  business “kind of unintentionally,” Zachary Kirkhorn, then  Tesla ’s chief financial officer, explained during an earnings call in October 2021.

“Our customers were coming to us, complaining that the price of traditional  insurance  was too high, and it was reducing the affordability of a  Tesla ,” Kirkhorn said. “And part of our journey here at  Tesla  is, we want as many people as possible to be able to afford our products.”

Kirkhorn didn’t respond to a request for comment.

High  insurance  costs had for years made it harder to sell  Tesla s. It’s a common problem among makers of electric cars , which have higher collision repair costs, especially for replacement of their pricey batteries, than gasoline-powered vehicles.

In 2015 and 2016, the Highway Loss Data Institute, a nonprofit  insurance  research organization, reported that  Tesla s had significantly higher collision and property damage claim frequencies and losses than conventional large luxury vehicles . Based in part on that data, insurer AAA-The Auto Club Group said in 2017 that it was raising its rates to cover  Tesla s by up to 30%.  Tesla  disputed AAA ’s analysis at the time.

That fall,  Tesla  launched InsureMy Tesla , a new  insurance  offering for U.S.  Tesla  owners, in partnership with Liberty Mutual  Insurance  Co. But the cost issue persisted. In an online discussion on Reddit at the time,  Tesla  owners swapped stories about steep premium quotes from InsureMy Tesla . One Reddit user called the rates “horrible.”

InsureMy Tesla  was eventually pulled from the U.S. market, although it’s still offered in some other countries. A spokesman for Liberty Mutual declined to comment on its relationship with  Tesla .

In April 2019, Musk announced that  Tesla  would launch its own  insurance  business that would be “much more compelling than anything else out there." Four months later,  Tesla  Insurance  became available in California,  Tesla 's largest car market, promising greatly reduced rates and saying it would expand to other states.

To enter California,  Tesla  partnered with Markel Group's State National  Insurance  Company, which the state had already approved to sell  insurance . State National has had the worst consumer complaint record among California’s top 50 auto insurers for the past three years, according to the state  insurance  department. State National works with other companies besides  Tesla , and the statistics don’t show how many of the insurer’s complaints involve  Tesla  policyholders.

State National declined to comment.

Musk continued expressing sky-high hopes for the business. In July 2020, Musk called  Tesla  Insurance  “revolutionary” on an earnings call. He predicted in another call three months later that  insurance  eventually could account for 30% or 40% of the value of the  Tesla  car business, which currently has a market capitalization of more than $700 billion.

Tesla  Insurance  has expanded rapidly. It’s now offered in states including Illinois, Colorado and Ohio, and  Tesla  has applied to sell  insurance  elsewhere, including Florida, Georgia and Washington, regulatory filings show.

Automated rate hikes

In many states where  Tesla  Insurance  is available, its monthly premiums can vary based on daily “Safety Scores" that the automaker says reflect “real-time driving behavior” measured by sensors and software.  Tesla  is facing at least two class-action lawsuits that allege its vehicles are prone to producing false collision warnings that can lower the scores and inflate premiums. In court filings,  Tesla  has denied the allegations and sought to dismiss the cases.

Chanda Santiago, a  Tesla  Insurance  policyholder who is not involved in the litigation, told Reuters a similar story about safety-system malfunctions, including false warnings and spontaneous slamming of the brakes. Santiago, a Maryland real estate investor, said her monthly premium recently jumped nearly 50% to about $190.

“I’m not satisfied with how the safety score is calculated ,” she said. “You’re grading me on something that’s not working properly.”

Santiago said she brought her 2020  Tesla  Model 3 into service several times, but was told technicians couldn’t duplicate the problems or fix them. Once, she said, a technician didn’t wear a seat belt while driving the car – a no-no automatically detected by its safety systems.

“So I got dinged” on the safety score that day, she said.

Reuters was not able to independently verify Santiago’s interactions with  Tesla .

Other customers have had trouble handling the most mundane  insurance  matters. Lester F. Aponte, a Los Angeles attorney who signed up for  Tesla  Insurance  in August, described a maddening ordeal to obtain proof of  insurance . He said the  Tesla  phone app froze when he tried to access the documents. He called multiple times and was placed on hold for as long as 90 minutes.

He complained on Facebook: “The problem is there is no customer service. At all.”

He told Reuters he didn’t hear from the insurer until after he complained to the Better Business Bureau. In the end, he said,  Tesla  Insurance  had to cancel his policy and issue a new one so that he could access the documents on the phone app.

“Fortunately, I haven't had an accident or needed to contact them about repairs,” he said.

Understaffed and overwhelmed

In fall 2021,  Tesla  began hiring claims adjusters to work in the company’s Draper, Utah, office, luring them with perks including free health  insurance  and a company stock purchase plan, according to the several people familiar with  Tesla ’s  insurance  operations. Their assignment: handle claims for policyholders in California and eventually in other states. Until then,  Tesla  had relied on another company to process California claims.

Claims soon started arriving — not only from California but also from Texas, where  Tesla  recently had begun offering  insurance . The dozen or so adjusters saw their caseloads jump from four or five claims a day to sometimes two dozen or more. Backlogs grew into the hundreds and could take adjusters two weeks or longer to get back to a customer.

Policyholders were supposed to report claims on a phone app, but there were often glitches, so many had no choice but to call. The call queue seemed endless, the sources said, and adjusters could spend anywhere from a few minutes to nearly an hour taking initial claim reports from customers. That interrupted their work processing the claims, which takes longer and involves such tasks as reviewing repair estimates or arranging rental cars , according to the sources.

The adjusters also couldn’t tell how long people were waiting on hold and were often greeted by furious customers. Some complained about spending more than an hour on the phone, the sources said. Some callers reported being stranded on highways.

Tesla  tried to hire more employees, but the process was slow, the people with knowledge of its  insurance  operations said. About a year after it started hiring in-house adjusters in late 2021, there were still only about a dozen adjusters in Draper because some had quit.

Waiting months for repairs, payouts

Jonathan Garcia was driving in North Carolina last year to visit family over Thanksgiving when a deer darted in front of his 2021  Tesla  Model S. Garcia, an Ohio physician, submitted a claim to  Tesla  Insurance  for damages to the hood and bumper, according to documents Reuters obtained from the Ohio Department of  Insurance  through a public records request.

After Garcia reported the accident on Nov. 23 last year, he repeatedly called, emailed and left voicemail messages with a  Tesla  Insurance  claims adjuster for three months seeking repairs and a rental car, the records show.

“There were times I was calling every day. I was leaving messages every day. I was emailing every day," Garcia said in an interview.

The insurer didn’t respond until after he filed a complaint with the Ohio  insurance  department, he said. Documents released by the department showed that it found  Tesla  "did not adequately comply with timely claim communications" as state regulations require. The department informed Garcia in March that its findings were under further review that could result in an investigation, the results of which would remain confidential.

Tesla  Insurance  acknowledged its adjuster “did not timely communicate and process the claim,” according to a company letter to the department dated March 2. It explained that the “communication gap” resulted “from some staffing adjustments that occurred during the time of this claim.” The insurer compensated Garcia in part by agreeing to extend his car rental for up to 21 days, according to the letter.

Garcia said it took about six months to repair his car. He said he terminated his  Tesla  Insurance  on May 17 and switched to another company at a higher premium.

“I would have paid a very high amount of money to not go with  Tesla  Insurance  again," Garcia said.

Scott Sawyer, a college researcher in Riverside, California, said he and his wife signed up for  Tesla  Insurance  to cover their 2021 Model Y “because we thought it would be more seamless and easy.”

Then an uninsured driver in a pickup truck rear-ended their  Tesla  on a freeway in February 2022. Sawyer said it took repeated calls over seven months before the vehicle was finally repaired. While awaiting parts delayed by shortages, “we drove it with a big dent for a while,” he said.

Then, this year, on August 25, the car was parked in front of their house when a minivan struck it, crushing the vehicle’s front left side. Sawyer said someone from  Tesla  Insurance  called him a few days later and said the company would inspect the vehicle, which had been towed.

A month went by, and “we didn’t hear a peep from  Tesla ,” he said. “We have tried emailing, calling, texting and the claims adjuster will not respond,” his wife, Lauren Lee Sawyer, wrote on Facebook, adding: “I am furious. I hate that I am making payments on a totaled car.”

Sawyer said he filed complaints with the Better Business Bureau and the California Department of  Insurance , and contacted a lawyer. He said he eventually heard from a claims adjuster who estimated the damage at $10,000. Convinced the car wasn’t repairable, Sawyer insisted that the car be taken to a body shop.

The shop determined the car was totaled, he said, but it took more than two weeks – and intervention by his lawyer – before  Tesla  finally agreed. It has offered him $44,852 to settle the claim.

Will he stick with  Tesla  Insurance ?

“Of course not,” Sawyer said. “Lesson learned there.”

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Tesla will only deliver 10 Cybertrucks at its big event this month, executive says originally appeared on Autoblog on Tue, 21 Nov 2023 10:48:00 EST. Please see our terms for use of feeds .

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Tesla Launched its Own Car Insurance. These Drivers Say it’s a Lemon.

In February, Mark Bova purchased a used 2018 Tesla Model S. Before leaving the dealer, he bought insurance from Tesla, finding the initial $93 monthly premium “really reasonable.”

Sixteen days later, as he drove along the Capital Beltway to his Maryland home, he engaged Autopilot, Tesla’s automated driving system. The car started beeping and lurched left — striking a median and flipping. He escaped through a window as the car filled with smoke. An ambulance rushed him to the hospital with back injuries that later required surgery.

“I’m a former Green Beret,” Bova said, referring to the U.S. Army Special Forces. “That was probably the second-most traumatic thing I’ve gone through other than being in combat.”

His ordeal isn’t over. Tesla Insurance, launched in 2019 by the electric-car company, has promised policyholders “vastly better” service than rivals, as Tesla chief Elon Musk put it in April 2022. Musk also said he aimed to offer “same-day” collision repairs. But Bova says he has been battling the insurer ever since the crash.

He said he waited seven months for payment on the totaled vehicle and still hasn’t been compensated for about $50,000 in medical expenses. That required a call to the automaker’s product liability department because the crash involved Autopilot, he was told. He waited on hold for hours and got hung up on four times, he said. When someone finally answered, the person promised another callback in two weeks. Four months later, he’s still waiting.

Tesla and Musk did not respond to detailed questions from Reuters for this report.

Bova isn’t the only customer Tesla Insurance has angered, according to scores of complaints in social media and online posts, including on a Better Business Bureau website, and Reuters interviews with half a dozen policyholders. While some customers in online posts have praised the insurer’s low premiums, others, like Bova, complain of waiting weeks or months for payouts and repairs, and an inability to reach claims adjusters.

Tesla officials have said they started the insurer to solve a problem: Prospective customers walking away from car sales after getting sky-high insurance quotes, based on the electric vehicles’ high collision-repair costs. Despite promising to revolutionize automobile insurance, Tesla has at times run the business on a shoestring budget, at one point with only about a dozen adjusters who were quickly overwhelmed by hundreds of claims, according to several sources familiar with the insurer’s operations.

The insurer’s problems fit into a pattern of rushed and sloppy management leading to consumer and worker harms across Musk’s empire of technology and manufacturing firms. The billionaire’s decisions have come under fire in the year since he bought Twitter, now renamed X. Advertising revenue and company value plummeted after Musk slashed the firm’s staff by more than half and introduced a series of unpopular platform changes. After Musk endorsed an antisemitic post on X last week, several major companies halted their advertising on the platform. Musk denied being antisemitic.

At Tesla, employees shared sensitive videos and images of owners recorded by the cars’ cameras, Reuters reported in April, prompting two U.S. Senators to write Musk a letter stating that the article raised “serious questions about Tesla’s management practices.” In July, the news agency exposed a systematic effort by Tesla to overstate its vehicles’ driving range — including by rigging the algorithm that controls in-dash estimates — leading to a federal investigation and several class-action lawsuits.

This month, a Reuters investigation documented at least 600 injuries at rocket-maker SpaceX, and pervasive failures to report safety data to regulators, as workers scrambled to meet Musk’s ambitious deadlines for space missions. Late last year, Reuters exposed how experiments at Musk’s brain-chip startup, Neuralink, resulted in the unnecessary suffering and deaths of lab animals as researchers rushed to appease Musk’s demands for speedy regulatory approvals.

Complaints about Tesla Insurance are drawing scrutiny from state regulators and the plaintiffs’ bar. The Ohio Department of Insurance at least twice this year determined that Tesla had violated the state’s insurance regulations in handling claims, including for a lack of timely communications with a policyholder, according to correspondence obtained by Reuters through a public records request. The department was considering opening formal investigations, the records show. The agency declined to comment.

Customer complaints against auto insurance companies aren’t uncommon. And there’s no way to know exactly how many have been made against Tesla Insurance and how its record compares with competitors’. That’s in part because regulators in some states where it does business – including California, Utah, Illinois and Virginia – consider details of complaints confidential.

In interviews, customers described their interactions with the insurer as frustrating on many levels. Phil Fioresi Sr., a stonecutter in South San Francisco, California, told Reuters it took about 15 calls to reach someone at Tesla Insurance after his daughter’s car was struck by one of its policyholders in September. He called the service “totally ridiculous.”

“What do they have, three people answering phone calls?” he asked.

The insurer wouldn’t divulge the current number of claims adjusters. But the dozen or so adjusters who started handling California claims in late 2021 were quickly so swamped that resolving cases took weeks or months, the people familiar with the operations said. At the time, Tesla insured more than 50,000 vehicles in the state, according to California Department of Insurance records.

Working out of a Tesla office in Draper, Utah, the initial adjusters sometimes had to take on hundreds of claims each, far more than at other insurers, according to the sources with knowledge of Tesla Insurance’s operations. Unlike competitors that often have separate call centers to take claim reports, Tesla’s adjusters had to answer the phones themselves while also handling claims.

Tesla has since expanded into 11 more states, hired additional claims adjusters in Texas and Maryland, and has been trying to bring on more, according to LinkedIn profiles and company job listings. But accounts of delayed repairs and compensation, and long waits for service continue to appear online.

The accounts of customers interviewed by Reuters contrast sharply with Tesla’s bold promises to policyholders. On an earnings call in April 2022, Musk said: “Basically, the customer experience is just vastly better because if there’s an accident, there’s no argument. We’ll repair it immediately.”

He blasted the typical auto insurance experience as a “nightmare” of arguments with insurance companies, adjusters and repair centers. “So we’re trying to turn a nightmare into a dream with Tesla Insurance,” he said.

HIGH REPAIR, INSURANCE COSTS

Tesla decided to enter the auto insurance business “kind of unintentionally,” Zachary Kirkhorn, then Tesla’s chief financial officer, explained during an earnings call in October 2021.

“Our customers were coming to us, complaining that the price of traditional insurance was too high, and it was reducing the affordability of a Tesla,” Kirkhorn said. “And part of our journey here at Tesla is, we want as many people as possible to be able to afford our products.”

Kirkhorn didn’t respond to a request for comment.

High insurance costs had for years made it harder to sell Teslas. It’s a common problem among makers of electric cars, which have higher collision repair costs, especially for replacement of their pricey batteries, than gasoline-powered vehicles.

In 2015 and 2016, the Highway Loss Data Institute, a nonprofit insurance research organization, reported that Teslas had significantly higher collision and property damage claim frequencies and losses than conventional large luxury vehicles. Based in part on that data, insurer AAA-The Auto Club Group said in 2017 that it was raising its rates to cover Teslas by up to 30%. Tesla disputed AAA’s analysis at the time.

That fall, Tesla launched InsureMyTesla, a new insurance offering for U.S. Tesla owners, in partnership with Liberty Mutual Insurance Co. But the cost issue persisted. In an online discussion on Reddit at the time, Tesla owners swapped stories about steep premium quotes from InsureMyTesla. One Reddit user called the rates “horrible.”

InsureMyTesla was eventually pulled from the U.S. market, although it’s still offered in some other countries. A spokesman for Liberty Mutual declined to comment on its relationship with Tesla.

In April 2019, Musk announced that Tesla would launch its own insurance business that would be “much more compelling than anything else out there.” Four months later, Tesla Insurance became available in California, Tesla’s largest car market, promising greatly reduced rates and saying it would expand to other states.

To enter California, Tesla partnered with Markel Group’s State National Insurance Company, which the state had already approved to sell insurance. State National has had the worst consumer complaint record among California’s top 50 auto insurers for the past three years, according to the state insurance department. State National works with other companies besides Tesla, and the statistics don’t show how many of the insurer’s complaints involve Tesla policyholders.

State National declined to comment.

Musk continued expressing sky-high hopes for the business. In July 2020, Musk called Tesla Insurance “revolutionary” on an earnings call. He predicted in another call three months later that insurance eventually could account for 30% or 40% of the value of the Tesla car business, which currently has a market capitalization of more than $700 billion.

Tesla Insurance has expanded rapidly. It’s now offered in states including Illinois, Colorado and Ohio, and Tesla has applied to sell insurance elsewhere, including Florida, Georgia and Washington, regulatory filings show.

AUTOMATED RATE HIKES

In many states where Tesla Insurance is available, its monthly premiums can vary based on daily “Safety Scores” that the automaker says reflect “real-time driving behavior” measured by sensors and software. Tesla is facing at least two class-action lawsuits that allege its vehicles are prone to producing false collision warnings that can lower the scores and inflate premiums. In court filings, Tesla has denied the allegations and sought to dismiss the cases.

Chanda Santiago, a Tesla Insurance policyholder who is not involved in the litigation, told Reuters a similar story about safety-system malfunctions, including false warnings and spontaneous slamming of the brakes. Santiago, a Maryland real estate investor, said her monthly premium recently jumped nearly 50% to about $190.

“I’m not satisfied with how the safety score is calculated,” she said. “You’re grading me on something that’s not working properly.”

Santiago said she brought her 2020 Tesla Model 3 into service several times, but was told technicians couldn’t duplicate the problems or fix them. Once, she said, a technician didn’t wear a seat belt while driving the car – a no-no automatically detected by its safety systems.

“So I got dinged” on the safety score that day, she said.

Reuters was not able to independently verify Santiago’s interactions with Tesla.

Other customers have had trouble handling the most mundane insurance matters. Lester F. Aponte, a Los Angeles attorney who signed up for Tesla Insurance in August, described a maddening ordeal to obtain proof of insurance. He said the Tesla phone app froze when he tried to access the documents. He called multiple times and was placed on hold for as long as 90 minutes.

He complained on Facebook: “The problem is there is no customer service. At all.”

He told Reuters he didn’t hear from the insurer until after he complained to the Better Business Bureau. In the end, he said, Tesla Insurance had to cancel his policy and issue a new one so that he could access the documents on the phone app.

“Fortunately, I haven’t had an accident or needed to contact them about repairs,” he said.

UNDERSTAFFED AND OVERWHELMED

In the fall of 2021, Tesla began hiring claims adjusters to work in the company’s Draper, Utah, office, luring them with perks including free health insurance and a company stock purchase plan, according to the several people familiar with Tesla’s insurance operations. Their assignment: handle claims for policyholders in California and eventually in other states. Until then, Tesla had relied on another company to process California claims.

Claims soon started arriving — not only from California but also from Texas, where Tesla recently had begun offering insurance. The dozen or so adjusters saw their caseloads jump from four or five claims a day to sometimes two dozen or more. Backlogs grew into the hundreds and could take adjusters two weeks or longer to get back to a customer.

Policyholders were supposed to report claims on a phone app, but there were often glitches, so many had no choice but to call. The call queue seemed endless, the sources said, and adjusters could spend anywhere from a few minutes to nearly an hour taking initial claim reports from customers. That interrupted their work processing the claims, which takes longer and involves such tasks as reviewing repair estimates or arranging rental cars, according to the sources.

The adjusters also couldn’t tell how long people were waiting on hold and were often greeted by furious customers. Some complained about spending more than an hour on the phone, the sources said. Some callers reported being stranded on highways.

Tesla tried to hire more employees, but the process was slow, the people with knowledge of its insurance operations said. About a year after it started hiring in-house adjusters in late 2021, there were still only about a dozen adjusters in Draper because some had quit.

WAITING MONTHS FOR REPAIRS, PAYOUTS

Jonathan Garcia was driving in North Carolina last year to visit family over Thanksgiving when a deer darted in front of his 2021 Tesla Model S. Garcia, an Ohio physician, submitted a claim to Tesla Insurance for damages to the hood and bumper, according to documents Reuters obtained from the Ohio Department of Insurance through a public records request.

After Garcia reported the accident on Nov. 23 last year, he repeatedly called, emailed and left voicemail messages with a Tesla Insurance claims adjuster for three months seeking repairs and a rental car, the records show.

“There were times I was calling every day. I was leaving messages every day. I was emailing every day,” Garcia said in an interview.

The insurer didn’t respond until after he filed a complaint with the Ohio insurance department, he said. Documents released by the department showed that it found Tesla “did not adequately comply with timely claim communications” as state regulations require. The department informed Garcia in March that its findings were under further review that could result in an investigation, the results of which would remain confidential.

Tesla Insurance acknowledged its adjuster “did not timely communicate and process the claim,” according to a company letter to the department dated March 2. It explained that the “communication gap” resulted “from some staffing adjustments that occurred during the time of this claim.” The insurer compensated Garcia in part by agreeing to extend his car rental for up to 21 days, according to the letter.

Garcia said it took about six months to repair his car. He said he terminated his Tesla Insurance on May 17 and switched to another company at a higher premium.

“I would have paid a very high amount of money to not go with Tesla Insurance again,” Garcia said.

Scott Sawyer, a college researcher in Riverside, California, said he and his wife signed up for Tesla Insurance to cover their 2021 Model Y “because we thought it would be more seamless and easy.”

Then an uninsured driver in a pickup truck rear-ended their Tesla on a freeway in February 2022. Sawyer said it took repeated calls over seven months before the vehicle was finally repaired. While awaiting parts delayed by shortages, “we drove it with a big dent for a while,” he said.

Then, this year, on August 25, the car was parked in front of their house when a minivan struck it, crushing the vehicle’s front left side. Sawyer said someone from Tesla Insurance called him a few days later and said the company would inspect the vehicle, which had been towed.

A month went by, and “we didn’t hear a peep from Tesla,” he said. “We have tried emailing, calling, texting and the claims adjuster will not respond,” his wife, Lauren Lee Sawyer, wrote on Facebook, adding: “I am furious. I hate that I am making payments on a totaled car.”

Sawyer said he filed complaints with the Better Business Bureau and the California Department of Insurance, and contacted a lawyer. He said he eventually heard from a claims adjuster who estimated the damage at $10,000. Convinced the car wasn’t repairable, Sawyer insisted that the car be taken to a body shop.

The shop determined the car was totaled, he said, but it took more than two weeks – and intervention by his lawyer – before Tesla finally agreed. It has offered him $44,852 to settle the claim.

Will he stick with Tesla Insurance?

“Of course not,” Sawyer said. “Lesson learned there.”

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• Tesla, Other Car Makers Have Edge Over Incumbent Auto Insurers: Moody’s
• Tesla Insurance Turning ‘Nightmare’ Claims Experience Into ‘Dream’: Musk

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Tesla launched its own car insurance. These drivers say it's a lemon: 'totally ridiculous'

Regulators and reuters hear of poor customer service, 'safety score' miscalculations.

In February, Mark Bova purchased a used 2018  Tesla  Model S . Before leaving the dealer , he bought  insurance  from Tesla  itself, finding the initial $93 monthly premium “really reasonable.”

Sixteen days later, as he drove along the Capital Beltway to his Maryland home, he engaged Autopilot,  Tesla ’s automated driving system. The car started beeping and lurched left — striking a median and flipping. He escaped through a window as the car filled with smoke. An ambulance rushed him to the hospital with back injuries that later required surgery.

“I’m a former Green Beret,” Bova said, referring to the U.S. Army Special Forces. “That was probably the second-most traumatic thing I've gone through other than being in combat.”

His ordeal isn’t over.  Tesla  Insurance , launched in 2019 by the electric-car company, has promised policyholders “vastly better” service than rivals, as  Tesla  chief Elon Musk put it in April 2022. Musk also said he aimed to offer “same-day” collision repairs . But Bova says he has been battling the insurer ever since the crash.

He said he waited seven months for payment on the totaled vehicle and still hasn’t been compensated for about $50,000 in medical expenses. That required a call to the automaker’s product liability department because the crash involved Autopilot, he was told. He waited on hold for hours and got hung up on four times, he said. When someone finally answered, the person promised another callback in two weeks. Four months later, he’s still waiting.

Tesla  and Musk did not respond to detailed questions from Reuters for this report.

Bova isn’t the only customer  Tesla  Insurance  has angered, according to scores of complaints in social media and online posts, including on a Better Business Bureau website, and Reuters interviews with half a dozen policyholders. While some customers in online posts have praised the insurer’s low premiums, others, like Bova, complain of waiting weeks or months for payouts and repairs, and an inability to reach claims adjusters.

Tesla  officials have said they started the insurer to solve a problem: Prospective customers walking away from car sales after getting sky-high  insurance  quotes, based on the electric vehicles ’ high collision-repair costs. Despite promising to revolutionize automobile  insurance ,  Tesla  has at times run the business on a shoestring budget, at one point with only about a dozen adjusters who were quickly overwhelmed by hundreds of claims, according to several sources familiar with the insurer’s operations.

The insurer’s problems fit into a pattern of rushed and sloppy management leading to consumer and worker harms across Musk’s empire of technology and manufacturing firms. The billionaire’s decisions have come under fire in the year since he bought Twitter, now renamed X. Advertising revenue and company value plummeted after Musk slashed the firm’s staff by more than half and introduced a series of unpopular platform changes. After Musk endorsed an antisemitic post on X last week, several major companies halted their advertising on the platform. Musk denied being antisemitic.

At  Tesla , employees shared  sensitive videos and images of owners recorded by the cars’ cameras, Reuters reported in April, prompting two U.S. senators to write Musk a letter stating that the article raised “serious questions about  Tesla 's management practices.” In July, the news agency exposed a systematic effort by  Tesla  to  overstate its vehicles’ driving range  — including by rigging the algorithm that controls in-dash estimates — leading to a federal investigation and several class-action lawsuits.

This month, a  Reuters investigation  documented at least 600 injuries at rocket-maker SpaceX, and pervasive failures to report safety data to regulators, as workers scrambled to meet Musk’s ambitious deadlines for space missions. Late last year, Reuters exposed how experiments at Musk’s brain-chip startup, Neuralink, resulted in the  unnecessary suffering and deaths  of lab animals as researchers rushed to appease Musk’s demands for speedy regulatory approvals.

Complaints about  Tesla  Insurance  are drawing scrutiny from state regulators and the plaintiffs’ bar. The Ohio Department of  Insurance  at least twice this year determined that  Tesla  had violated the state’s  insurance  regulations in handling claims, including for a lack of timely communications with a policyholder, according to correspondence obtained by Reuters through a public records request. The department was considering opening formal investigations, the records show. The agency declined to comment.

Customer complaints against auto  insurance  companies aren’t uncommon. And there’s no way to know exactly how many have been made against  Tesla  Insurance  and how its record compares with competitors’. That’s in part because regulators in some states where it does business – including California, Utah, Illinois and Virginia – consider details of complaints confidential.

In interviews, customers described their interactions with the insurer as frustrating on many levels. Phil Fioresi Sr., a stonecutter in South San Francisco, California, told Reuters it took about 15 calls to reach someone at  Tesla  Insurance  after his daughter’s car was struck by one of its policyholders in September. He called the service “totally ridiculous.”

“What do they have, three people answering phone calls?” he asked.

The insurer wouldn’t divulge the current number of claims adjusters. But the dozen or so adjusters who started handling California claims in late 2021 were quickly so swamped that resolving cases took weeks or months, the people familiar with the operations said. At the time,  Tesla  insured more than 50,000 vehicles in the state, according to California Department of  Insurance  records.

Working out of a  Tesla  office in Draper, Utah, the initial adjusters sometimes had to take on hundreds of claims each, far more than at other insurers, according to the sources with knowledge of  Tesla  Insurance ’s operations. Unlike competitors that often have separate call centers to take claim reports,  Tesla ’s adjusters had to answer the phones themselves while also handling claims.

Tesla  has since expanded into 11 more states, hired additional claims adjusters in Texas and Maryland, and has been trying to bring on more, according to LinkedIn profiles and company job listings. But accounts of delayed repairs and compensation, and long waits for service continue to appear online.

The accounts of customers interviewed by Reuters contrast sharply with  Tesla ’s bold promises to policyholders. On an earnings call in April 2022, Musk said: “Basically, the customer experience is just vastly better because if there’s an accident, there’s no argument. We’ll repair it immediately.”

He blasted the typical auto  insurance  experience as a “nightmare” of arguments with  insurance  companies, adjusters and repair centers. “So we’re trying to turn a nightmare into a dream with  Tesla  Insurance ,” he said.

Addressing high repair and insurance costs

Tesla  decided to enter the auto  insurance  business “kind of unintentionally,” Zachary Kirkhorn, then  Tesla ’s chief financial officer, explained during an earnings call in October 2021.

“Our customers were coming to us, complaining that the price of traditional  insurance  was too high, and it was reducing the affordability of a  Tesla ,” Kirkhorn said. “And part of our journey here at  Tesla  is, we want as many people as possible to be able to afford our products.”

Kirkhorn didn’t respond to a request for comment.

High  insurance  costs had for years made it harder to sell  Tesla s. It’s a common problem among makers of electric cars , which have higher collision repair costs, especially for replacement of their pricey batteries, than gasoline-powered vehicles.

In 2015 and 2016, the Highway Loss Data Institute, a nonprofit  insurance  research organization, reported that  Tesla s had significantly higher collision and property damage claim frequencies and losses than conventional large luxury vehicles . Based in part on that data, insurer AAA-The Auto Club Group said in 2017 that it was raising its rates to cover  Tesla s by up to 30%.  Tesla  disputed AAA ’s analysis at the time.

That fall,  Tesla  launched InsureMy Tesla , a new  insurance  offering for U.S.  Tesla  owners, in partnership with Liberty Mutual  Insurance  Co. But the cost issue persisted. In an online discussion on Reddit at the time,  Tesla  owners swapped stories about steep premium quotes from InsureMy Tesla . One Reddit user called the rates “horrible.”

InsureMy Tesla  was eventually pulled from the U.S. market, although it’s still offered in some other countries. A spokesman for Liberty Mutual declined to comment on its relationship with  Tesla .

In April 2019, Musk announced that  Tesla  would launch its own  insurance  business that would be “much more compelling than anything else out there." Four months later,  Tesla  Insurance  became available in California,  Tesla 's largest car market, promising greatly reduced rates and saying it would expand to other states.

To enter California,  Tesla  partnered with Markel Group's State National  Insurance  Company, which the state had already approved to sell  insurance . State National has had the worst consumer complaint record among California’s top 50 auto insurers for the past three years, according to the state  insurance  department. State National works with other companies besides  Tesla , and the statistics don’t show how many of the insurer’s complaints involve  Tesla  policyholders.

State National declined to comment.

Musk continued expressing sky-high hopes for the business. In July 2020, Musk called  Tesla  Insurance  “revolutionary” on an earnings call. He predicted in another call three months later that  insurance  eventually could account for 30% or 40% of the value of the  Tesla  car business, which currently has a market capitalization of more than $700 billion.

Tesla  Insurance  has expanded rapidly. It’s now offered in states including Illinois, Colorado and Ohio, and  Tesla  has applied to sell  insurance  elsewhere, including Florida, Georgia and Washington, regulatory filings show.

Automated rate hikes

In many states where  Tesla  Insurance  is available, its monthly premiums can vary based on daily “Safety Scores" that the automaker says reflect “real-time driving behavior” measured by sensors and software.  Tesla  is facing at least two class-action lawsuits that allege its vehicles are prone to producing false collision warnings that can lower the scores and inflate premiums. In court filings,  Tesla  has denied the allegations and sought to dismiss the cases.

Chanda Santiago, a  Tesla  Insurance  policyholder who is not involved in the litigation, told Reuters a similar story about safety-system malfunctions, including false warnings and spontaneous slamming of the brakes. Santiago, a Maryland real estate investor, said her monthly premium recently jumped nearly 50% to about $190.

“I’m not satisfied with how the safety score is calculated ,” she said. “You’re grading me on something that’s not working properly.”

Santiago said she brought her 2020  Tesla  Model 3 into service several times, but was told technicians couldn’t duplicate the problems or fix them. Once, she said, a technician didn’t wear a seat belt while driving the car – a no-no automatically detected by its safety systems.

“So I got dinged” on the safety score that day, she said.

Reuters was not able to independently verify Santiago’s interactions with  Tesla .

Other customers have had trouble handling the most mundane  insurance  matters. Lester F. Aponte, a Los Angeles attorney who signed up for  Tesla  Insurance  in August, described a maddening ordeal to obtain proof of  insurance . He said the  Tesla  phone app froze when he tried to access the documents. He called multiple times and was placed on hold for as long as 90 minutes.

He complained on Facebook: “The problem is there is no customer service. At all.”

He told Reuters he didn’t hear from the insurer until after he complained to the Better Business Bureau. In the end, he said,  Tesla  Insurance  had to cancel his policy and issue a new one so that he could access the documents on the phone app.

“Fortunately, I haven't had an accident or needed to contact them about repairs,” he said.

Understaffed and overwhelmed

In fall 2021,  Tesla  began hiring claims adjusters to work in the company’s Draper, Utah, office, luring them with perks including free health  insurance  and a company stock purchase plan, according to the several people familiar with  Tesla ’s  insurance  operations. Their assignment: handle claims for policyholders in California and eventually in other states. Until then,  Tesla  had relied on another company to process California claims.

Claims soon started arriving — not only from California but also from Texas, where  Tesla  recently had begun offering  insurance . The dozen or so adjusters saw their caseloads jump from four or five claims a day to sometimes two dozen or more. Backlogs grew into the hundreds and could take adjusters two weeks or longer to get back to a customer.

Policyholders were supposed to report claims on a phone app, but there were often glitches, so many had no choice but to call. The call queue seemed endless, the sources said, and adjusters could spend anywhere from a few minutes to nearly an hour taking initial claim reports from customers. That interrupted their work processing the claims, which takes longer and involves such tasks as reviewing repair estimates or arranging rental cars , according to the sources.

The adjusters also couldn’t tell how long people were waiting on hold and were often greeted by furious customers. Some complained about spending more than an hour on the phone, the sources said. Some callers reported being stranded on highways.

Tesla  tried to hire more employees, but the process was slow, the people with knowledge of its  insurance  operations said. About a year after it started hiring in-house adjusters in late 2021, there were still only about a dozen adjusters in Draper because some had quit.

Waiting months for repairs, payouts

Jonathan Garcia was driving in North Carolina last year to visit family over Thanksgiving when a deer darted in front of his 2021  Tesla  Model S. Garcia, an Ohio physician, submitted a claim to  Tesla  Insurance  for damages to the hood and bumper, according to documents Reuters obtained from the Ohio Department of  Insurance  through a public records request.

After Garcia reported the accident on Nov. 23 last year, he repeatedly called, emailed and left voicemail messages with a  Tesla  Insurance  claims adjuster for three months seeking repairs and a rental car, the records show.

“There were times I was calling every day. I was leaving messages every day. I was emailing every day," Garcia said in an interview.

The insurer didn’t respond until after he filed a complaint with the Ohio  insurance  department, he said. Documents released by the department showed that it found  Tesla  "did not adequately comply with timely claim communications" as state regulations require. The department informed Garcia in March that its findings were under further review that could result in an investigation, the results of which would remain confidential.

Tesla  Insurance  acknowledged its adjuster “did not timely communicate and process the claim,” according to a company letter to the department dated March 2. It explained that the “communication gap” resulted “from some staffing adjustments that occurred during the time of this claim.” The insurer compensated Garcia in part by agreeing to extend his car rental for up to 21 days, according to the letter.

Garcia said it took about six months to repair his car. He said he terminated his  Tesla  Insurance  on May 17 and switched to another company at a higher premium.

“I would have paid a very high amount of money to not go with  Tesla  Insurance  again," Garcia said.

Scott Sawyer, a college researcher in Riverside, California, said he and his wife signed up for  Tesla  Insurance  to cover their 2021 Model Y “because we thought it would be more seamless and easy.”

Then an uninsured driver in a pickup truck rear-ended their  Tesla  on a freeway in February 2022. Sawyer said it took repeated calls over seven months before the vehicle was finally repaired. While awaiting parts delayed by shortages, “we drove it with a big dent for a while,” he said.

Then, this year, on August 25, the car was parked in front of their house when a minivan struck it, crushing the vehicle’s front left side. Sawyer said someone from  Tesla  Insurance  called him a few days later and said the company would inspect the vehicle, which had been towed.

A month went by, and “we didn’t hear a peep from  Tesla ,” he said. “We have tried emailing, calling, texting and the claims adjuster will not respond,” his wife, Lauren Lee Sawyer, wrote on Facebook, adding: “I am furious. I hate that I am making payments on a totaled car.”

Sawyer said he filed complaints with the Better Business Bureau and the California Department of  Insurance , and contacted a lawyer. He said he eventually heard from a claims adjuster who estimated the damage at $10,000. Convinced the car wasn’t repairable, Sawyer insisted that the car be taken to a body shop.

The shop determined the car was totaled, he said, but it took more than two weeks – and intervention by his lawyer – before  Tesla  finally agreed. It has offered him $44,852 to settle the claim.

Will he stick with  Tesla  Insurance ?

“Of course not,” Sawyer said. “Lesson learned there.”

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