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Insurance Adjusters, Examiners, and Investigators

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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.

    Work Activities
    • Examine claims forms and other records to determine insurance coverage.
    • Analyze information gathered by investigation and report findings and recommendations.
    • 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.
    • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
    • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
    • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
    • Prepare report of findings of investigation.
    • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
    • Collect evidence to support contested claims in court.
    • Examine titles to property to determine validity and act as company agent in transactions with property owners.
    • Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
    • Obtain credit information from banks and other credit services.
    Skills
    • Critical Thinking

      Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

    • Active Listening

      Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

    • Reading Comprehension

      Understanding written sentences and paragraphs in work related documents.

    WorkKeys®
    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    4
    Abilities
    • Deductive Reasoning

      The ability to apply general rules to specific problems to produce answers that make sense.

    • Inductive Reasoning

      The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

    • Oral Comprehension

      The ability to listen to and understand information and ideas presented through spoken words and sentences.

    Knowledge
    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    Career Video
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    Pay
    • Ohio Annual Salary $65,000/yr
    • Typical Salary
    • Ohio Hourly Wage $31.25/hr
    • Typical Hourly Wage
    Ohio Employment Trends
    • Currently Employed 11,380
    • Yearly Projected Openings 880
    Typical Education
    Personality
    Conventional: People interested in this work like activities that include data, detail, and regular routines. They do well at jobs that need:
    • Integrity
    • Dependability
    • Self Control
    • Attention to Detail
    • Stress Tolerance
    • Achievement/Effort
    Tools
    • Theodolites
    • Portable data input terminals
    • Personal digital assistant PDAs or organizers
    • Measuring wheels for distance
    • Automotive computer systems
    Technology
    • Financial analysis software
    • Expert system software
    • Document management software
    • Computer aided design CAD software
    • Analytical or scientific software
    Tags
    • InDemand occupations are considered a priority by the state of Ohio.