Claims Adjusters, Examiners, and Investigators

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Accidents happen. That’s why it’s important to have insurance. But insurance claims can get confusing. For example, sometimes drivers disagree about who hit whom.

Someone needs to investigate the insurance claim to figure out who should pay the damages. That someone is an investigator. He or she looks for the truth when there’s disagreement about who is legally responsible or when criminal activity is suspected. In other situations, adjusters and examiners are the ones who deal with insurance claims.

Claims adjusters, examiners, and investigators work behind the scenes, usually for insurance companies or agencies, to make sure that insurance customers claiming payment get the money they're entitled to.

Did You Know?

Appraisers in the auto insurance business decide if a car has been “totaled” in an accident and how much the car was worth in the first place.

Are You Ready To...?

  • Interview eyewitnesses and experts
  • Consult police departments, fire departments, and hospitals
  • Search databases for background information
  • Inspect property
  • Understand the law
  • Negotiate settlements
  • Okay payments to claimants

It Helps To Be...

A strong, critical thinker with great interpersonal skills and an interest in detective work.

Make High School Count

  • Pay attention in English. As a claims adjuster, examiner, or investigator, you’ll rely on your communication skills to interview and consult with a wide range of people and to report on your findings.
  • Take advantage of math and accounting classes. You’ll need to understand financial documents.
  • Master the computer. You’ll need to conduct online research and be familiar with various software programs and databases.

Did You Know?

Continuing education is important in this field because new federal and state laws and court decisions frequently affect the way claims are handled.