California Auto Insurance for Adjusters

Little did Henry Ford realize his invention would become the symbol for the American dream of independence and freedom. That Model T has evolved into a necessity in our lives, Americans practically live in their cars. There are more than 243+ million drivers (2023) up from 238+ million in 2022 and 286+ million (2023) registered vehicles on the road. These will likely increase in 2024. It should come as no surprise that auto coverage leads all lines of property-liability insurance.

Adjuster Perspective

This material pays specific attention to the more technical policy and insurance company aspects of auto insurance. It reviews with you the types of auto insurance necessary for different purposes. The material covered includes Personal Auto Policy (PAP) and endorsements available with a standard policy. It also includes material on Business Auto Coverage, Truckers and Motor Carrier Coverage, and Garage Coverage, plus corresponding forms for each. Policies developed by Insurance Services Office (ISO) are discussed, as are provisions and situations illustrating coverages for various purposes.

The text also includes material on Commercial Policies and General Liability Coverage. The material discussed includes both small and large companies’ needs for insurance protection with a focus on liability insurance protection and auto insurance protection.

In this course, you also learn the structure of policies, the important policy provisions and available coverages under each policy, and the most important exclusions and conditions of each policy.

You also learn to read policies and understand the policy language so that you can apply the information in your work. The situations and examples provided in the policy help to understand the application of coverages, exclusions, and conditions in practice.

The course also explains which vehicles, persons, or organizations are eligible for Commercial Automobile Coverage. A separate chapter is dedicated to endorsements available with each coverage, and the provisions of major endorsements are discussed in detail explaining coverage, exclusions, and conditions. A glossary of insurance terms used in the text is provided as well.