Claims Adjusters, Examiners, and Investigators
Business and Financial Operations
Reviews insurance claims against policy terms and company procedures, then decides what should be paid. Day to day, that means reading claim forms, police reports, medical records, and damage estimates; talking with claimants and agents; and checking whether the facts support the settlement. Some cases involve inspecting damaged property or conferring with lawyers when a dispute may go to court. Payments go through only within a set authority level. The work fits anyone who prefers precise document review, weighing evidence, and talking through disputed facts.
Typical education: Bachelor’s Degree (4-year)
Annual Median Wage in Field (2025)
$78'000
Median Wage Market Position
$78'000
What you might do
- Examine claim files to confirm coverage
- Review police reports and medical bills
- Inspect damaged property and estimate losses
- Decide whether a claim should be paid
- Process payments within your approval limit
- Interview claimants to fill in missing facts
Skills that matter
- Reading claims forms and coverage
- Interviewing claimants about disputed facts
- Weighing evidence before paying a claim
- Reviewing police and medical records
- Writing settlement findings and recommendations
- Tracking payments against authority limits
AI & the future of this role
Document review, policy matching, and straightforward settlement estimates could be handled more by software over time. Messy investigations, liability judgment, and sensitive claimant conversations are likelier to keep people in the loop.
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Includes O*NET® 30.3 Database information by USDOL/ETA under CC BY 4.0; modified by LostInCareer. Wage/outlook from BLS. Attribution details