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Insurance Adjusters, Examiners, & Investigators

Also called: Claims Representative, Claims Adjuster, Claims Examiner, Claims Analyst

What they do:
Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.
On the job, you would:
  • Examine claims forms and other records to determine insurance coverage.
  • Investigate and assess damage to property and create or review property damage estimates.
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.

Knowledge

Arts and Humanities
  • English language
Business
  • customer service
  • administrative services
Safety and Government
  • law and government
Math and Science
  • arithmetic, algebra, geometry, calculus, or statistics

Skills

Basic Skills
  • listening to others, not interrupting, and asking good questions
  • reading work related information
Problem Solving
  • noticing a problem and figuring out the best way to solve it
Social
  • bringing people together to solve differences
  • understanding people's reactions

Abilities

Verbal
  • communicate by speaking
  • listen and understand what people say
Ideas and Logic
  • use rules to solve problems
  • make general rules or come up with answers from lots of detailed information
Math
  • add, subtract, multiply, or divide
  • choose the right type of math to solve a problem
Visual Understanding
  • quickly compare groups of letters, numbers, pictures, or other things

Personality

People interested in this work like activities that include
data, detail, and regular routines.
They do well at jobs that need:
  • Attention to Detail
  • Dependability
  • Stress Tolerance
  • Integrity
  • Self Control
  • Cooperation

Technology

You might use software like this on the job:

Document management software
  • Agency Management Systems AMS 360
  • atGlobal Allegro
Expert system software
  • atGlobal webMBR
  • Axonwave Fraud and Abuse Management System
Financial analysis software
  • Automatic Data Processing Estimating
  • QwikQuote software

Education

Education: (rated 3 of 5)
bachelor's degree or
some college
usually needed

Get started on your career:

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Job Outlook

Below Average Outlook
New job opportunities are less likely in the future.
Salary
$59,320
per year, on average
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See more details at O*NET OnLine about insurance adjusters, examiners, and investigators.