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How Insurers Respond to a Vehicle Deemed a Total Loss

Drivers report millions of accidents annually; just under six million occurred in 2022. Most drivers involved in accidents prioritize fixing car damage quickly and cost-effectively. However, not every accident leaves the vehicle with repairable damage.

In those cases, insurance companies will consider the vehicle a total loss if it has damage beyond repair or the potential cost of fixing it exceeds its actual value. Insurance companies employ a claims adjuster who checks damage and considers factors such as market value when determining if the car has become a total loss. They examine the vehicle's model, make, mileage, and resale market. They also evaluate whether or not the vehicle has salvageable parts for reselling, leading to a salvage value.

Some states use a total loss threshold (TLT) to define totaled vehicles. It reflects the cost of repairs compared with the actual cash value (ACV). Texas sets the threshold at 100 percent of the vehicle’s fair market value, while other states, such as Oklahoma, set the TLT threshold at 60 percent. Still, other states employ a total loss formula (TLF), which considers salvage value and repair cost together about ACV. They deem the car totaled when the salvage value and repair costs exceed ACV.

Total loss car insurance coverage, included in most collision and comprehensive insurance plans, kicks in when professionals declare the car totaled. It assists in paying for vehicle damage and may, up to policy limits, cover the totaled car’s cost.

Car owners can negotiate total loss settlements and, in certain cases, keep or buy back the damaged vehicle from the insurer. This option requires further titling, plating, and inspection.

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International Annual Awards of the Air Force Sergeants Association

The Air Force Sergeants Association (AFSA), a non-profit organization headquartered in Suitland, Maryland, remains dedicated to improving the quality of life of military personnel and their families. As part of AFSA’s Americanism programs at US and overseas squadrons and high schools, the CAP and JROTC Awards recognize cadets with exceptional achievements and qualities.

Since its establishment in 1961, the AFSA has grown to encompass over 75,000 members, seven divisions, and 125 chapters worldwide. The AFSA advocates for and represents its members before institutions like the US Congress and the Department of Defence to fulfill its mission. It also provides them various educational and professional development opportunities, banking and insurance services, and shopping and travel discounts.

In addition, the AFSA distributes several international annual awards, including the Civil Air Patrol (CAP) Award and the Air Force Junior Reserve Officers’ Training Corps (JROTC) Award.

The AFSA CAP Award honors an enlisted cadet at the squadron level for an outstanding achievement or exceptionally meritorious service. While no specific selection criteria exist for this award, unit commanders must fill in a dedicated CAP Form 120 with the nominee’s name, grade, and unit, along with a description of their achievement or service and justification for why they think the cadet deserves the award.

The organization presents the AFSA JROTC Award to a top 10 percent cadet enrolled in the last two years of a three-year or four-year program who has demonstrated outstanding character, discipline, and military leadership qualities.

The AFSA CAP and JROTC award recipients receive an awards binder, medal, ribbon, and personalized certificate.

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What It Means to Be Physically Fit

Physical fitness is essential for everyone, but defining what it means to be physically fit can be challenging. Several components of physical health contribute to an overall understanding of fitness. Health professionals believe that a physically fit individual possesses the capacity to execute daily activities with adequate strength and endurance along with the management of fatigue, disease, and stress. Reducing sedentary tendencies is a crucial aspect of physical fitness.

Skill-related physical fitness enables one to perform optimally in sports and other activities that demand motor skills. For instance, speed is important in many sports such as tennis and basketball. In older adults, agility, balance, and coordination ensure the individual does not fall, while reaction time addresses risks related to automobile accidents.

Health-related physical fitness is not exclusive to athletes - it is accessible to everyone, regardless of their athletic ability. Engaging in health-related fitness helps individuals stay healthy and capable of performing well in sport and other activities.

Strength improves performance in sports such as football and wrestling, just as muscular endurance is beneficial in tennis and flexibility is important in sports like diving and gymnastics. In addition, power is indispensable in activities such as the long jump and discus throw. A healthy amount of body fat ensures the body is more efficient in many activities.

Non-athletes who participate in brisk walking, cycling, jogging, and swimming improve their cardiorespiratory endurance by keeping their heart rates elevated for sustained periods. Cardiorespiratory endurance is a measure of how well the body is able to supply fuel during physical activity through the circulatory and respiratory systems. A stronger heart is able to pump more blood per heartbeat, providing the energy the body needs for every activity. It improves resistance to heart disease and promotes sporting performance in long-distance running, swimming, and similar sports. It’s advisable to regularly engage in these activities, and if not in good physical shape by starting slowly and gradually increasing the intensity over time.

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The Scope of Work for Insurance Claims Adjusters

When people face disputes or appeals, it’s essential that they understand dispute resolution and the process of appeal in addition to methods to address underpayment and insurance fraud. It is possible to understand the complexities of insurance claims and achieve settlements.

A claims adjuster is also called an insurance adjuster, claims handler, or loss adjuster. This professional investigates insurance claims on behalf of an insurance company, and their main responsibility is to determine the extent of the insurer’s financial liability for a claim and to enable the settlement of valid claims fairly and efficiently.

Claims handlers assess damage to determine whether a claim falls within the policy covers and negotiate with the claimant to reach a settlement if the claim is assessed as valid.

There are three main categories of insurance claims adjusters - staff adjusters, independent adjusters, and public adjusters. While staff adjusters are employees of an insurance company, public adjusters are hired by policyholders and represent the claimant’s interests. Independent adjusters only work on a contract basis for multiple insurers and earn on a per-claim or per-day basis.

Claims adjustment begins with a notification of loss where the policyholder contacts the insurance firm to report an unfortunate incident. An independent adjuster or a staff adjuster is then assigned to the case, depending on the complexity of the claim and how many resources the insurer has.

An investigation then follows to collect relevant information, review policy documents, and ascertain the extent of the insurance company’s liability. Witness interviews, police reports, and damage inspection are some parts of this process. The claims adjuster then evaluates the claim, confirms coverage, and determines an appropriate settlement amount based on the terms of the policy and the incurred damages.

The final step is negotiation and settlement. With the consent of the policyholder, the adjuster arrives at a fair settlement after some negotiation. Where a resolution is not possible, the adjuster refers the case to legal professionals.

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What Is a Third Party Insurance Claim?

Sergeant Roy Bowser Jr. is a retired chief master sergeant in the Air Force. He works as an independent claims adjuster with Pilot Mobile. As an independent claims adjuster, Sergeant Roy Bowser Jr. is licensed to handle claims in 28 states. With State Farm certification in auto insurance, he has handled auto insurance claims involving both first and third parties.

Auto insurance involves a significant number of third-party insurance claims. It is a statutory requirement in most states that car owners and licensed drivers possess liability insurance that will offset or cover any damage to third parties that might result from road mishaps.

A third-party insurance claim refers to a claim made by an individual, with the first two parties being the policyholder and the insurance provider. This is opposed to the policyholder making an insurance claim for, for instance, damage to their home from a storm. Liability claims are one of the most commonly invoked third-party insurance claims. For instance, an individual may file a liability claim if the policyholder’s reckless driving results in them being injured.

While the insurance policy does not provide for a contract between the third party and the insurance company, they can make claims if they suffer damage due to the fault of one of the company’s policyholders. These claims are often accepted to cover medical bills, compensation for pain, and loss of income.

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The Air Force Sergeants Association

A TUI University graduate in business, Chief Master Sergeant Roy Bowser Jr. is an independent claims adjuster in Mobile, Alabama. He is an experienced outside property adjuster and desk adjuster and has traveled worked in 12 states assessing damage from fire, floods, hail, and high winds. Sergeant Roy Bowser Jr., a retired Air Force enlisted member, maintains contact with the armed forces through various organizations, including the Air Force Sergeants Association (AFSA).

Established in 1961, AFSA seeks to improve the quality of life and support the wellness of military members and their families through advocacy and education. It represents over 100,000 military members and their families through seven divisions and 125 chapters worldwide. The uniformed service members include active duty, guard, retired, veteran members, health services and National Oceanic Atmospheric Administration (NOAA) staff members and their families, and associates like the Department of Defense and Civil Air Patrol.

One of the areas AFSA is known for is legislative advocacy to improve the lives of military members, focusing on the care, benefits, and services promised for serving the country. The association's advocacy arm works with the administration, Congress departmental agencies, and others to ensure the benefits are honored. The group’s accomplishments include 100 percent tuition assistance, leave for both parents during maternity, and child development centers.

AFSA holds several sponsorship events, golf tournaments, professional development conferences, and the AFSA International Convention & Family Reunion to bring together its large membership. The reunion offers a platform for members to network as well as recognize accomplishments and notable contributions to the military, association, and community.

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During his 26 years of service in the United States Air Force, Roy Bowser Jr. achieved the rank of chief master sergeant, a rank limited by law to just one percent of all active Air Force enlisted personnel. He holds a bachelor’s degree and is skilled at human resources management, policy implementation, organizational development and communication, and a host of other administrative skills, as evidenced by his military experience. Currently located in Omaha, Nebraska, Sergeant Roy Bowser Jr. enjoys do-it-yourself projects, reading, traveling, and golf.

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A decorated military veteran, Sergeant Roy Bowser Jr. performed a range of administrative duties as a chief master sergeant, the highest enlisted rank in the United States Air Force. Among his other honors and awards, Sergeant Roy Bowser Jr. has a Meritorious Service Medal with a silver oak leaf cluster.

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Retired Chief Master Sergeant Roy Bowser Jr. lives in Omaha, Nebraska, and works as an insurance claims adjuster with experience in a number of different industries. As an insurance claims adjuster, Sergeant Roy Bowser Jr. has a job that is vital to insurance companies and their customers.

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Scholarship Programs of the Air Force

Roy Bowser Jr. is an automotive damage specialist who served as an independent claims adjuster after completing a 2017 certification program through the Veterans Adjusting School. A former chief master sergeant in the United States Air Force, Sergeant Roy Bowser Jr. remains connected to the military sphere as a member of the Air Force Sergeants Association. A federally chartered veterans’ service organization, the Air Force Sergeants Association (AFSA) represents about 100,000 American military service members and their families. It is one of the few military associations with the power and connections to lobby and work directly with members of the U.S. Congress as well as officials in military organizations such as the Department of Defense and the Department of Veterans Affairs. Through a range of scholarship initiatives, AFSA provides financial assistance to facilitate the undergraduate education of eligible children of enlisted Air Force personnel. In 2020, the AFSA Scholarship Program awarded $24,500 divided among 13 scholarship recipients. AFSA established this program in 1968 with a single scholarship of $1000. To date, AFSA has awarded well over 600 scholarships with a value of about $920,000.