Career Overview
Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.
Also Known As
- Claims Adjuster
- Claims Analyst
- Claims Examiner
- Claims Representative
Alternate Job Titles
- Accident Investigator
- Adjuster
- Adjustment Clerk
- Auto Claims Adjuster (Automotive Claims Adjuster)
- Auto Damage Claims Adjuster (Automotive Damage Claims Adjuster)
- Benefit Authorizer
- Bodily Injury Claims Adjuster
- Bodily Injury Claims Examiner
- Claims Account Specialist
- Claims Adjuster
- Claims Adjustor
- Claims Agent
- Claims Analyst
- Claims Approver
- Claims Auditor
What You'll Do
In this role, your typical responsibilities include:
- Examine claims forms and other records to determine insurance coverage.
- Analyze information gathered by investigation and report findings and recommendations.
- Pay and process claims within designated authority level.
- Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
- Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
- Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
- Investigate and assess damage to property and create or review property damage estimates.
Knowledge You'll Use
You'll need solid knowledge in these areas:
- Customer and Personal Service
- English Language
- Administrative
- Mathematics
Essential Skills
Success in this career requires strong skills in:
- Reading Comprehension
- Active Listening
- Critical Thinking
- Speaking
- Judgment and Decision Making
- Writing
Key Abilities
This career requires key abilities in:
- Written Comprehension
- Oral Comprehension
- Oral Expression
- Deductive Reasoning
- Inductive Reasoning
- Written Expression
- Near Vision
- Speech Clarity
- Problem Sensitivity
- Information Ordering
Work Style
People who excel in this career typically demonstrate:
- Attention to Detail
- Dependability
- Integrity
- Cautiousness
- Self-Control
What Matters in This Career
This career tends to satisfy these work values:
- Support
- Independence
- Working Conditions
- Relationships
- Achievement
Education & Preparation
Typical Education: Bachelor's Degree
Related Work Experience Needed: Over 2 years, up to and including 4 years
On-the-Job Training: Over 6 months, up to and including 1 year
Education Details: Most of these occupations require a four-year bachelor's degree, but some do not.
Experience Required: A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
Technology You'll Use
Popular Technologies & Software
- Apple Safari
- Microsoft Access
- Microsoft Excel
- Microsoft Office software
- Microsoft Outlook
- Microsoft PowerPoint
- Microsoft Word
- Mozilla Firefox
- Zoom
Tools & Equipment
- Data collectors
- Desktop computers
- Event data recorders
- Field computers
- Handheld computers
- Measure markers
- Mobile wireless handheld communication devices
- Notebook computers
- Personal computers
- Personal digital assistants PDA
- Scanners
- Tablet computers
- Total stations
Work Environment
- Telephone Conversations
- Written Letters and Memos
- Frequency of Decision Making
- Contact With Others
Salary & Job Market
| Salary Percentile | Annual Wage |
|---|---|
| Entry-Level (10th percentile) | $47,810 |
| Median | $76,790 |
| Top Earners (90th percentile) | $112,150 |
Workers Employed Nationally: 305,020
Related Careers
If you're interested in this career, you might also consider:
Insurance Claims and Policy Processing Clerks
Education: High School Diploma - or the equivalent (for example, GED)
Median Salary: $48,450
Eligibility Interviewers, Government Programs
Education: High School Diploma - or the equivalent (for example, GED)
Median Salary: $51,500
Customer Service Representatives
Education: High School Diploma - or the equivalent (for example, GED)
Median Salary: $42,830
Insurance Underwriters
Education: Bachelor's Degree
Median Salary: $79,880
Tax Examiners and Collectors, and Revenue Agents
Education: Bachelor's Degree
Median Salary: $59,740
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Occupational data sourced from the O*NET OnLine database, developed by the U.S. Department of Labor, Employment and Training Administration. Wage data from the U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS), 2024.