What does an Insurance Adjuster do?
Published 3 min read
An insurance adjuster is a professional who investigates insurance claims on behalf of insurance companies. Adjusters inspect property damage, interview witnesses, and gather other evidence to determine the extent of the insurer's liability. They also negotiate settlements with claimants and represent the insurer in court, if necessary.
Insurance Adjuster job duties include:
- Investigating insurance claims and determining coverage
- Examining police reports, medical records, and other documents to determine liability
- Interviewing witnesses, claimants, and policyholders to obtain information
- Calculating benefits payable and approving payment
- Denying claims or recommending their approval
- Settling claims with claimants
- Keeping records of claims filed, settlements made, and payments made
- Appearing in court to present testimony, when necessary
- Providing policyholders with information about their coverage and benefits
Insurance Adjuster Job Requirements
An insurance adjuster typically needs at least a high school diploma, although some jobs may require postsecondary education, and most states require licensure. Some adjusters gain experience through on-the-job training, while others complete internships or apprenticeships. Many adjusters start their careers working for insurance companies, but some become self-employed.
Insurance Adjuster Skills
- Analytical skills
- Communication skills
- Organizational skills
- Research skills
- Writing skills
- Problem-solving skills
- Critical thinking skills
- Active listening skills
- Empathy
- Patience
- Attention to detail
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How to become an Insurance Adjuster
An insurance adjuster is someone who investigates insurance claims and determines the amount of money that should be paid to the policyholder. Insurance adjusters work for insurance companies, self-insured organizations, or as independent adjusters.
There are many different types of insurance adjusters, but most of them start their careers as claims adjusters. Claims adjusters investigate insurance claims and determine how much the insurance company should pay for the claim. They also negotiate settlements with claimants and help resolve disputes between policyholders and insurers.
Most claims adjusters have at least a bachelor’s degree in business, accounting, finance, or a related field. Many states also require claims adjusters to be licensed. Some companies may require claims adjusters to complete a training program before they can start working.
If you’re interested in becoming an insurance adjuster, you should start by researching the different types of adjusters and the requirements for each type. You can also contact your state’s department of insurance to find out more about licensing requirements in your state.
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