National Application Center :: career details :: Insurance Adjusters, Examiners, and Investigators
Career Details :: Insurance Adjusters, Examiners, and Investigators
Description
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.
Experience
Previous work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.
Education
Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree. Some may require a bachelor's degree.
Training
Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers.
Tasks
- Investigates and assesses damage to property.
- Collects evidence to support contested claims in court.
- Communicates with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
- Prepares report of findings of investigation.
- Obtains credit information from banks and other credit services.
- Refers questionable claims to investigator or claims adjuster for investigation or settlement.
- Examines claims form and other records to determine insurance coverage.
- Interviews or corresponds with claimant and witnesses, consults police and hospital records, and inspects property damage to determine extent of liability.
- Analyzes information gathered by investigation and reports findings and recommendations.
- Examines titles to property to determine validity and acts as company agent in transactions with property owners.
- Negotiates claim settlements and recommends litigation when settlement cannot be negotiated.
- Interviews or corresponds with agents and claimants to correct errors or omissions and to investigate questionable entries.
Related Careers
- Adjustment Clerks
- Appraisers, Real Estate
- Child Support, Missing Persons, and Unemployment Insurance Fraud Investigators
- Insurance Appraisers, Auto Damage
- Licensing Examiners and Inspectors
- Purchasing Agents, Except Wholesale, Retail, and Farm Products
- Welfare Eligibility Workers and Interviewers
Important Abilities
General Work Activities
- Getting Information Needed to Do the Job
- Communicating With Persons Outside Organization
- Evaluating Information Against Standards
- Documenting/Recording Information
- Analyzing Data or Information
Important Skills
Frequent Work Context
- Job-Required Social Interaction
- Objective or Subjective Information
- Frustrating Circumstances
- Deal With External Customers
- Importance of Being Sure All Is Done
