Insurance Appraiser, Auto Damage Job Description

Analyze statistical data, such as mortality, accident, sickness, disability, and retirement rates and construct probability tables to forecast risk and liability for payment of future benefits. May ascertain premium rates required and cash reserves necessary to ensure payment of future benefits.

Tasks Performed

  • Arrange to have damage appraised by another appraiser to resolve disagreement with shop on repair cost.
  • Determine salvage value on total-loss vehicle.
  • Estimate parts and labor to repair damage, using standard automotive labor and parts-cost manuals and knowledge of automotive repair.
  • Evaluate practicality of repair as opposed to payment of market value of vehicle before accident.
  • Examine damaged vehicle to determine extent of structural, body, mechanical, electrical, or interior damage.
  • Prepare insurance forms to indicate repair-cost estimates and recommendations.
  • Review repair-cost estimates with automobile-repair shop to secure agreement on cost of repairs.

Work Activities

  • assess vehicle damage
  • estimate cost for repair services
  • estimate damage
  • examine equipment to detect disrepair
  • examine vehicle to detect malfunctions, damage, or maintenance needed
  • fill out business or government forms
  • fill out insurance forms
  • prepare cost estimates
  • use negotiation techniques
  • write vehicle damage repair estimates

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