What type of vehicle is best for insurance adjusting?
Finding the right set of wheels is important. As an insurance adjuster, you’re driving long miles to get to and from jobs, sitting down, and working out of your car the whole time – so it’s important to think of your vehicle as not just transportation, but an asset and important tool for your adjusting work.
The question of choosing a car, truck or SUV for insurance adjusting is a big one, and there’s no one definitive answer. Let’s consider the benefits and tradeoffs of each.
The main benefit of choosing a car for your claims adjusting work is going to be cost. A car will be cheaper to buy, cheaper to own and depreciate less over time. It’s also going to save on gas and maintenance. Cost isn’t the only benefit – cars can come with better options for highway travel and interior and are easier to drive in tight situations. With the amount of driving that comes with being an insurance adjuster, these advantages are nothing to shake your head at. The tradeoff is space. A car may be able to hold all your tools and laptop, but it’s not going to hold a ladder. A car will also struggle on tough roads, potentially limiting your ability to take on adjusting jobs in remote areas. If you’re frequently driving down farm roads and trails, a car is a liability. It’s a lot easier to get through a dirt road with a divot with a truck.
Trucks provide you with a lot more features that are convenient to insurance adjusters if you’re willing to invest more. While entry level trucks can be cheap, nice trucks with options that make highway driving comfortable are going to be expensive. The additional space is nice and allows you to bring things like extra safety gear and more tools. You also get the ability to tackle adjusting jobs in areas with rough terrain. With an older, basic truck, you’ll have to give up the easy driving experience and fuel efficiency, but newer trucks are getting better and better. Trucks provide you with a lot of utility, with the exchange being their cost.
For the purposes of insurance adjusting, an SUV is a good middle ground between a truck and a car. While they lack the open bed and convenience of tossing your gear in, an SUV still comes with plenty of space in the back and a ladder can easily fit on the roof. With your gear inside your vehicle, you also never have to worry about your gear getting wet or weathered by storm conditions. SUVs can come with a lot of options and are a comfortable vehicle no matter what. While not as efficient as cars, they will still get fair gas mileage and maintenance costs can stay relatively low. The average SUV isn’t ideal for tackling tough roads, but it will definitely handle them better than a car.
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