This Georgia course will help the adjuster better grasp contractual relationships that affect commercial liability as well as the similarities and differences between Employers Liability claims and Employment Practices Liability claims. The course also instructs on the medical aspects of adjusting, including an explanation of more common medical claims issues, as well as an introduction to professional liability claims. Finally, Advanced General Casualty I will help prepare the adjuster for handling a serious injury or wrongful death claim.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. Contracts and Construction Contractor Claims - 30 minutes
2. Employers Liability and Employment Practices - 45 minutes
3. Medical Aspects of Claims I - 45 minutes
4. Medical Aspects of Claims II - 45 minutes
5. Professional Liability: Medical Malpractice - 45 minutes
6. Professional Liability: Errors & Omissions - 45 minutes
7. Serious Injuries & Wrongful Death Claims - 45 minutes

Total course approximate time: 5 hours

This Georgia course will provide a detailed discussion of the policy parts such as declarations, definitions and conditions, and who is insured and what is excluded in such coverages including additional insureds and limited contractual liability. It also discusses premises operations and other premises and operations-related aspects of general liability.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. General Liability Analysis - 60 minutes
2. General Liability - Exclusions and Insureds - 45 minutes
3. General Liability - Premises Op Claims - 60 minutes
4. The Products and Completed Operations Claims - 60 minutes
5. Garage & Garagekeepers Claims - 45 minutes
6. Primary, Excess and Non concurrent Coverage - 60 minutes

Total course approximate time: 5.5 hours

The Auto Liability Course for Georgia provides an exceptional base for any learner who handles auto insurance claims. The six modules under the Personal Auto Policy category explain auto policies in clear language and enable the learner to comprehend the other modules including No Fault Insurance, Auto Accident Investigations and Vehicle Damages.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Personal Auto Policy I: Definitions - 25 minutes
2. Personal Auto Policy II: Liability Coverage - 35 minutes
3. Personal Auto Policy III: Medical Payments - 25 minutes
4. Personal Auto Policy IV: Uninsured Motorists - 30 minutes
5. Personal Auto Policy V: Damage to Your Auto - 35 minutes
6. Personal Auto Policy VI: Duties After an Accident - 35 minutes
7. How to Investigate an Auto Accident I - 35 minutes
8. How to Investigate an Auto Accident II - 30 minutes
9. Introduction to No Fault - 30 minutes
10. Vehicle Damage Losses I - 35 minutes
11. Vehicle Damage Losses II - 30 minutes
12. Vehicle Damage Losses III - 40 minutes

Total Course Approximate Time: 6.42 hours

The intent of this Georgia auto technical course is to give you insights into vehicle construction, damageability and repair so you can better understand the repair process and help understand and settle first party and liability auto claims, while providing adjuster continuing education credits.  The intended audience for this reference is the auto liability adjuster, personal lines claims personnel and claims processors.  It does not assume that you are trained in auto physical damage. It will be a good primer for those moving on to auto physical damage training and for the claim office-bound professionals who deal with numerous auto estimates each and every day.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Headlamps & Bumpers - 20 minutes
2. Labor Definitions - 40 minutes
3. Mechanical Components - 25 minutes
4. Safety Systems - 20 minutes
5. Steering - 30 minutes
6. Suspensions - 40 minutes
7. Unibody Construction - 35 minutes

Total Course Approximate Time: 3.5 hours

This two module course will introduce the student to subrogation as it relates to the auto liability claim. In the first module, the meaning of subrogation and its key benefits are identified as well as types of subrogation, general theories of liability, and the elements of negligence liability. In the second module, the various state negligence laws are discussed, as well as basic steps for conducting a subrogation investigation, determining what method to use to pursue subrogation, an explanation of intercompany arbitration, and the components of arbitration contentions.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

Course Modules

1. Auto Subrogation I – 45 minutes

2. Auto Subrogation II – 60 minutes

Total Course Approximate Time: 1.75 hours

These five core skills modules teach skills that will enable the Georgia adjuster seeking CE credit to handle and settle casualty claims. We recommend they be taken prior to the Casualty Core Skills II and III courses.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Time Management - 30 minutes
2. Negotiation - 45 minutes
3. Casualty Fraud Awareness - 30 minutes
4. Adjuster Ethics - 25 minutes
5. Avoiding Bad Faith - 25 minutes

Total Course Approximate Time: 2.6 hours

Casualty Core Skills II increases the knowledge base of the casualty adjuster to be able to understand and successfully adjust casualty claims. These seven modules deliver vital adjusting knowledge for the aspiring casualty adjuster.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Adjuster Law I: Contracts - 30 minutes
2. Adjuster Law II: Torts - 45 minutes
3. Adjuster Law III: Civil Law - 35 minutes
4. Role of the Adjuster - 25 minutes
5. Special & General Damages - 35 minutes
6. Medical Records - 15 minutes
7. Casualty Claim Reserving - 20 minutes

Total Course Approximate Time: 3.45 hours

This course reviews business auto policies and explains the intricacies of liability and truck accident investigations. This course also includes two modules each covering Homeowners Liability and Products Liability.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Introduction to Products Liability I - 45 minutes
2. Introduction to Products Liability II - 35 minutes
3. How To Investigate Truck Accidents I - 35 minutes
4. How To Investigate Truck Accidents II - 35 minutes
5. Business Auto Policy I: Covered Autos - 20 minutes
6. Business Auto Policy II: Liability Coverage - 35 minutes
7. Business Auto Policy III: Physical Damage Coverage - 30 minutes
8. Business Auto Policy IV: Conditions - 25 minutes
9. Business Auto Policy V: Definitions - 35 minutes
10. Homeowners Liability I - 30 minutes
11. Homeowners Liability II - 35 minutes

Total Course Approximate Time: 6.0 hours

The nine modules of the Commercial General Liability Course will provide adjusters with a solid foundation in the comprehension of this complex coverage. A must take for any Casualty Claims Adjuster.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. CGL I: Bodily Injury & Property Damage Liability - 20 minutes
2. CGL II: Liability - 35 minutes
3. CGL III: Personal & Advertising Injury Liability - 25 minutes
4. CGL IV: Medical Payments - 15 minutes
5. CGL V: Supplementary Payments - 15 minutes
6. CGL VI: Definitions - 20 minutes
7. CGL VII: Limits of Insurance - 15 minutes
8. CGL VIII: Conditions - 25 minutes
9. CGL IX: Definition of Terms - 40 minutes

Total Course Approximate Time: 3.5 hours

The Commercial Property Policy Course will introduce the learner to diverse elements of the commercial adjusting experience. Based on the CPP and BP overviews this course is comprised of five individual modules. Upon completion the learner will be able to comprehend the general policy provisions and in depth analysis of Employee Dishonesty, Business Interruption and Commercial Roofing.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Commercial Policy Provisions - 30 minutes
2. Review of Business Owners Policy - 45 minutes
3. Employee Dishonesty - 50 minutes
4. Business Interruption - 50 minutes
5. Commercial Roofing - B.U.R. - 45 minutes

Total Course Approximate Time: 3.67 hours

This course is an advanced Commercial Business Auto Liability and Physical Damage study of the trucking industry and the various unusual aspects of such insurance programs. This course will help the adjuster understand scene of an accident investigation. The adjuster will also have an understanding of cargo insurance, including how cargo is shipped and documented, and will be familiar with the differences between handling casualty claims and ocean or inland marine claims. The final module in the course reviews the "absolute pollution exclusion" found in general and commercial automobile coverages (and exceptions to the exclusions) and discusses specific environmental impairment policies designed specifically for insureds with a pollution risk.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. Motor Truck Liability - 60 minutes
2. Garage & Garagekeepers Liability - 45 minutes
3. Motor Truck Cargo Claims One - 60 minutes
4. Motor Truck Cargo Claims Two - 45 minutes
5. Environmental Impairment Claims - 60 minutes

Total course approximate time: 4.5 hours

This course provides property adjusters consistent claims handling procedures in adjusting property claims caused by earthquake. After successfully completing this course, the adjuster will be certified in California Earthquake Statutes. This will enable the adjuster to evaluate and estimate earthquake damage losses under supervision.

1. California Earthquake Statutes - 39 minutes
2. Earthquake Scope and Loss Estimating - 70 minutes
3. Discovered Earthquake Claims - 36 minutes
4. Earthquake Engineers or Experts - 27 minutes
5. Concrete Damages - 37 minutes
6. Mediation and Assistance Programs - 43 minutes

Total approximate course time: 5 hours

This course fulfills the state requirement that adjusters complete an Ethics course. This first of three modules deals with the basics of ethics as applicable to the insurance profession, stressing various characteristics of behavior that makes ethics the highest standard as opposed to law, which is the minimum standard. We then examine need for insurance regulation and the applicability of state or federal insurance law and the unfair claims settlement practices acts and other deceptive trade practice acts. The final module focuses on the "good faith" nature of the insurance relationship between the insured and the insurer, and discusses how insurers can become involved in "bad faith" litigation and its adverse results.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. Basics of Ethics - 60 minutes
2. Insurance Regulation, Ethics and Unfair Claims Act - 60 minutes
3. Ethics and Preventing Bad Faith - 45 minutes

Total course approximate time: 3 hours

This course addresses the various approaches to claim negotiation, stressing the importance of a detailed investigation and understanding of the coverage, liability and damage aspects of the claim before any negotiation is attempted. The course explains various advantages and disadvantages of types of negotiating style ranging from "take it or leave it" to compromise and the best form, reaching consensus, based on the facts of the claim.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. Introduction to Negotiation - 45 minutes
2. Advanced Claim Negotiation I - 60 minutes
3. Advanced Claim Negotiation II - 45 minutes

Total course approximate time: 2.5 hours

This course is intended to familiarize the adjuster with the liability exposures that arise in certain situations, including non-automobile accidents and boating or recreation related claims. The Personal Liability course will outline contracts and the relationships they create and will explain the concepts of primary, overlapping, and non-concurrent coverages. Later in the course, the basics of medical claim adjusting and definitions of common medical terms that may need to be known when adjusting a medical claim will be explained, followed by a close look at the issues that are at hand when handling a serious injury or death claim.

The approximate times to complete each module in the course are listed below. Please keep in mind that times vary as people learn at their own pace.

1. Personal Liability – HO Sect. 2 - 60 minutes
2. Boatowners and Recreational Liability Claims - 45 minutes
3. Contracts and Construction Contractor Claims - 45 minutes
4. Medical Aspects of Claims I - 45 minutes
5. Medical Aspects of Claims II - 45 minutes
6. Primary, Excess and Non Concurrent Coverage - 60 minutes
7. Serious Injuries & Wrongful Death Claims - 45 minutes

Total course approximate time: 6 hours

The Residential Property Course comprises 11 individual learning modules that will give the student a broad perspective of the Homeowners HO3 Policy. Upon completion of this course, the Learner will understand the different sections of the homeowner policy, know how to research the policy when investigating a claim, and comprehend the policy language and intent.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. How to Examine Coverage & 5 Question Method - 25 minutes
2. Introduction to Property Claims - 50 minutes
3. Insurance Policy Construction - 25 minutes
4. Policy Definitions - 50 minutes
5. Fire & Lightning Perils - 50 minutes
6. Policy Exclusions - 60 minutes
7. Examination Under Oath - 30 minutes
8. Coverage Determination - 40 minutes
9. Who is an Insured? - 35 minutes
10. Coverage A & B - 55 minutes
11. Coverage C - 45 minutes

Total Course Approximate Time: 7.75 hours

Building on the knowledge learned in WC I & II, this course begins with describing the services of the National Council on Compensation Insurance. You will then learn about the parts of the body and injuries to them that are frequently encountered in claims, their diagnosis and treatment. We will state how to obtain and analyze medical files, the privacy laws, and how to arrange for an independent medical examination.

The last two modules concentrate on how to investigate complicated and serious injury claims. These modules demonstrate the investigation and evaluation of coverage, compensability under the statutes, accident causation, correct preservation of evidence, and the confirmation of medical care and disability.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Understanding the NCCI Policy - 36 minutes
2. Medical Aspects of Claims I - 30 minutes
3. Medical Aspects of Claims II - 31 minutes
4. Advanced Investigation I - 34 minutes
5. Advanced Investigation II - 33 minutes

Total Course Approximate Time: hours: 3.5 hours

This course begins with a module on federal workers compensation programs that adjusters may encounter in their claim handling. You will then learn about contractual relationships that affect commercial liability and workers compensation claims. In self-insurance and self funding module the student will learn about the basics of risk management including risk financing and the principles involved in self-insurance and self-funding. We will provide you with the knowledge to understand serious injuries, state wrongful death statutes, how to investigate and evaluate a death claim, and how to deal with multiple death and injury claims. The course concludes with defining the insurance coverage for Employers Liability and Employment Practices Liability claims, the kinds of claims covered or excluded under these coverages and the state and federal laws that affect and control these claims.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Federal Workers Compensation Coverages - 25 minutes
2. Self Funded/Self Insured Claims - 36 minutes
3. Serious Injuries & Wrongful Death Claims - 30 minutes
4. Contracts and Construction Contractor Claims - 27 minutes
5. Employers Liability and Employment Practices Liability Claims - 39 minutes

Total Course Approximate Time: 3.25 hours

Workers' Compensation Core Skills I teaches the history and benefits upon which the foundations of workers' compensation adjusting, employment, compensability and second injury fund are built. This course includes what every adjuster should know about legal terminology and concepts. Also included is a module providing fraud awareness training. This is a prerequisite for Workers' Compensation Core Skills II.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. History & Benefits - 25 minutes
2. Employment - 25 minutes
3. Compensability - 50 minutes
4. Second Injury Fund - 20 minutes
5. Adjuster Law I: Contracts - 30 minutes
6. Adjuster Law II: Torts - 45 minutes
7. Adjuster Law III: Civil Law - 35 minutes
8. WC Fraud Awareness - 25 minutes

Total Course Approximate Time: 4.25 hours

Workers' Compensation Core Skills II builds upon the knowledge gained in Workers' Compensation Skills I. It provides adjusters with an in-depth knowledge of workers' compensation claim handling. These modules teach the adjuster to set more accurate reserves and to develop and conduct well-planned settlement strategies, including how to handle litigated files.

The approximate times to complete each module are listed below. Please keep in mind that times may vary as people learn at their own pace.

1. Medical Records - 15 minutes
2. Disabilities - 40 minutes
3. Reserves & Evaluation - 30 minutes
4. Negotiation - 45 minutes
5. Settlements - 40 minutes
6. Introduction to Litigation Management - 25 minutes
7. Subrogation - 25 minutes

Total Course Approximate Time: 3.7 hours