Investigates, negotiates or settles property, casualty or workers compensation claims in Rhode Island for insurers or self-insurers, under contract as an employee rather than as an independent contractor. No pre-licensing course is required and the Department says so in as many words.

Investigates, negotiates or settles property, casualty or workers compensation claims in Rhode Island for insurers or self-insurers, under contract as an independent contractor rather than as an employee. No pre-licensing course is required and the Department says so in as many words.

Appraises damage to motor vehicles insured under automobile physical damage policies, on or for third party claimants. Rhode Island examines it, reciprocates with nobody, and requires the appraisal business to stand apart from the repair trade.

Acts for the insured rather than the insurer, and only on first party claims under policies insuring real or personal property. Automobile is outside it and so is every life, accident and health claim. No pre-licensing course is required.