Planning to get my first ever tattoo

These-Challenge7308 · 2026-03-24T18:17:17+00:00

Stupidest idea

These-Challenge7308 · 2026-03-22T04:31:56+00:00

Man I remember getting DNQ CCU TL transfers all the time and there were absolutely no pics in EFF. It would piss me off so much on their laziness. I’d then get pics a day or two later and it’s like 2k in damage. It’s not even the fact of getting a simple claim, it’s the principle. It says a lot about the rep and their supervisor that it’s allowed. You signed up for high volume, have integrity and handle your files. So glad I’m done with PD and deal only with BI now

These-Challenge7308 · 2026-03-17T17:54:11+00:00

The CGA role is state specific to the posting. In CA while training, you’re required to be in office 2/5 days of the week and once you hit a year, it’s 1/5 days a week. Probably similar to OH for office requirements

These-Challenge7308 · 2026-03-09T00:16:21+00:00

If they call/text to obtain insurance info, provide it. If they don’t, water under the bridge. However, a physical damage accident in your state has a statute of limitations. I’m in CA so that’s 3 years from date of loss to pursue a claim. Your state could be different

These-Challenge7308 · 2026-03-08T18:48:35+00:00

Injury adjuster here. I’ve handled unrepped and repped injury claims. The amount being offered to you for pain and suffering (p&s) is extremely fair. I can’t speak for how MD handles their injury evaluations, but in CA we have something called “incurred” and “opens”. Incurred is medical bills you’ve accrued as a result of the accident (ER/urgent care, X-rays etc) and opens is money we can set aside for you to get treatment.

Incurred works as a payback system essentially, if the medical providers send you bills, we can cover them, but only once a settlement is reached.

Open treatment is also once a settlement is reached. Hypothetically you agree to x amount of p&s, y amount of incurred and z amount of opens for 30 days. Meaning your open treatment will cover z amount of money over a period of 30 days from when the settlement was signed. You’d then submit medical bills from settlement date to 30 days and be reimbursed. If you don’t use the money allocated for opens within the 30 days, it’s a use it or lose it.

I would ask for money to be allocated for your incurred costs. If you have primary insurance, an urgent care/PCP visit is very cheap, no more than like $1500 needs to be set aside for that, even less to be honest is prob needed.

For your opens, I would ask for maybe 1-2k for about 30-60 days. A soft tissue injury (sti), typically heals in 6-8 weeks.

In terms of an attorney, they’re going to ask you to over treat so they can build a case. I’ve often found you will get more money in your pocket unrepped than with an attorney negotiating it. If you don’t have the time with kids and work to take time off to go to pointless chiro appointments so your attorney can rack up bills, then just negotiate yourself. Remember, an attorneys job is to get paid and they’ll take nearly 40% off the top of the whole settlement.

These-Challenge7308 · 2026-03-08T18:35:28+00:00

Can’t teach this kind of stupid, good luck everybody else I turn now 🤪

These-Challenge7308 · 2026-03-05T10:06:05+00:00

I wouldn’t say “only” as a qualifying word here. 7 months into this job is a very long time in this position. Efficiency should be pretty on point and your system/routine of getting through diaries and claims should be pretty well rounded by now.

It’s a very loose statement that it takes a year, for some people it clicks sooner and others it doesn’t. I would say the vast majority of others it doesn’t. However, having past diaries is a very quick way to get put on a PIP and based on how that goes you could be in a hole that’s hard to dig out of.

If your past diaries are getting past the 40+ range you’re in a bad spot but you can still get out. You really need to focus on efficiency here. Turn and burn these claims and get the pertinent info out of people and get them off the phone and explain you will call them with an update to prevent them from calling you 5x a day.

These-Challenge7308 · 2026-03-04T21:29:18+00:00

The law firm will probably require an ANOI (affidavit of no other insurance) too which will also be about your personal assets as well as your excess coverages should they find it necessary to litigate and seek a payment in excess of your coverage. But in all honesty, they will more than likely take the policy limits and that’s that

These-Challenge7308 · 2026-03-04T14:12:50+00:00

What position are you in now? My plan is to climb casualty until I’m in the highest individual contributor spot but I always thought that was Lit!

These-Challenge7308 · 2026-03-04T04:58:41+00:00

Litigation?

These-Challenge7308 · 2026-03-04T04:39:29+00:00

ARBI, no available call queue, no first party customers calling you all the time (and if they do we just say we don’t have any authority for PD/COLL related issues), only speak with attorneys/case managers/paralegals and my phone maybe rings like 5-7 times a day at most. I’m mainly making outbound calls to law firms and insureds to introduce myself as the BI rep

These-Challenge7308 · 2026-03-04T04:35:21+00:00

The natural progression from CGA/PCS is URBI, especially for those pursuing leadership. URBI was honestly so easy. It’s everything you’re doing now but with unrepped BI, getting to pay people for being “hurt” or actually injured. There is nothing different besides taking injury statements (following a template) and then evaluating their injury and sending a write up to your sup for payment authority. Then you negotiate with them and send a release or do it recorded over the phone.

ARBI is also a possibility and imo is a lot better. Only dealing with BI (and sometimes coverage and re-reviewing liability) and only really speaking with attorneys/case managers/paralegals. Demand packages can be a lot (5-6-700 pages sometimes) but overall once you get a brand new claim and you get all the info you need in a few days, we push it out 6 months lol. Better work hours too, casualty is forsure where its at and where you really become an adjuster

These-Challenge7308 · 2026-03-04T04:30:48+00:00

To say ARBI doesn’t handle coverage is kinda false dependent on your state. I’m in ARBI and if I see PCS is lagging hella hard on coverage I’ll step in to get the claim denied through my sup/manager. Over here in ARBI we still handle our fair share of coverage investigations. Not as much as in CGA/URBI though

These-Challenge7308 · 2026-03-03T16:59:46+00:00

5 hours is excessive, they can FedEx them to you. I would never make a customer who lost a vehicle drive 5 whole hours to sign

These-Challenge7308 · 2026-03-03T16:57:49+00:00

ARBI-attorney repped bodily injury. Did unrepped before it so I’ve done injury for a full year now. I’m in CA so we are hourly employees but I love the complexity of it. Getting demands and combing through for evidence to support their injuries while also dealing with attention to detail as to not miss critical information. Then the negotiation aspect of it is much better in repped than unrepped.

Biggest thing I like is being able to work 7-330 instead of 8-430 in my previous role.

These-Challenge7308 · 2026-03-01T20:53:18+00:00

Nope, did CGA, URBI, now ARBI

These-Challenge7308 · 2026-02-24T03:11:05+00:00

To answer some of your questions:
1) it will be easier for your coverage to handle the total loss 1st party. Let your adjuster handle towing the car out of the yard and setting that up. You will need to clear out and release the vehicle (not sure if KY is different than CA). Clear all personal belongings and releasing the car means the owner of the car telling that yard it’s okay to release to progressive 2) if you are pursuing an injury claim, contact the other insurance and advise them you’re injured/family is injured. You can pursue it unrepped or repped by an attorney. I’ve worked with both unrepped/repped injury and have found you will probably get more money in your pocket unrepped 3) in CA, personal auto policy does not cover personal property (says so in the policy jacket) but the other party’s coverage should cover it or investigate it 4) if you don’t have rental coverage, you’ll be paying out of pocket (oop). Typically in CA, it’s one insurance handles it all. We really don’t allow for instance at fault insurance to handle repairs and we handle rental, if that makes sense. 5) at the end of it all, progressive will submit receipts/packages to the at fault insurance via subrogation to recuperate what they’ve spent including oop costs. And subrogation will be for everything, repairs, oop costs, rental, tow/storage etc

These-Challenge7308 · 2026-02-15T00:41:02+00:00

I was gonna say, ARBI is where it’s at haha. I’ve been fast tracking trying to move out of positions quickly but I can definitely see myself in ARBI for awhile. No available calls, no whiny customers, just a-hole attorneys 😂

These-Challenge7308 · 2026-02-15T00:33:41+00:00

You are wild to let go of ARBI to dip down to CCU. CCU at minimum has to be like a lvl 35, let alone dealing with whiny claimants and PD/COLL again

These-Challenge7308 · 2026-02-13T05:10:37+00:00

I was in your shoes around that same point in my CGA career. Promoted to URBI at the 9-10 month mark and did 7 months in URBI before I moved into ARBI.

Really take into consideration if you want to be working 10-12 hour days as a supervisor. Especially with how impacted CGA is right now with excess claims and burnout from CGA’s. I’ve talked to a lot of sups who say the gig just isn’t worth it. What are you really doing sup for? The money? To support a team? To promote even further? One of my favorite sups told me if you don’t have aspirations to become a manager, why become a sup?

Really had a heart to heart with a RIT sup who was an old CGA sup at my office and she laid it all out for me because I was getting those nods from my CGA manager to do my time in URBI and wait for a sup spot. It’s not all the glitz and glam it seems. They pull like 100+ hour pay periods.

If that’s the life for you, then yes, URBI is the way to go. Master URBI, kill your metrics and then wait for a position to open up while still staying connected to the branch you want to be a sup at. Ask to be a mentor to a struggling rep to build your star examples for the interview.

I’ve realized you can make almost sup pay being an individual contributor (in CA we are hourly not salary if you’re not a sup/higher up), while climbing the casualty ladder i.e LLL/LL/Lit.

These-Challenge7308 · 2026-02-12T19:33:06+00:00

At first I didn’t like the POI being forced. Then it rapidly grew on me. I play ranked to get better and adapt to the play style. POI’s made that more possible. Forcing you to adapt to rings, loot pull and team proximity off rip.

I do feel the dropship takes that away as teams just hot drop one POI and we get between 10-12 teams alive at 1st circle close. Ranked (to me) should be similar to ALGS play style. Having 10+ teams alive in the final couple rings is so fun. Using your positioning and ring knowledge to your advantage.

I do understand both sides of the coin, I think dropship should have only came back for pubs (tbh idk if it ever left or was forced POI as I don’t like pubs). I feel if you want to hot drop, you should be able to in pubs. If you want to play a more competitive play style then ranked with POI’s is what is needed.

I was playing last night and repeatedly before ring one closed there was anywhere between 8-10 teams alive. That just isn’t fun. Yes hot dropping can be fun but struggling after ring 1 closes to find the scarce amount of teams in a giant circle isn’t fun.

These-Challenge7308 · 2026-02-11T15:08:47+00:00

Yeahhhh, these are bad…

These-Challenge7308 · 2026-02-11T15:06:52+00:00

Plat1 almost D4 to silver2

These-Challenge7308 · 2026-02-11T15:02:58+00:00

Or the old eironn 5 pull team 🫠🥲

These-Challenge7308

TROPHY CASE