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Overview_a
PipelineNC Career Profile for

Insurance Adjusters, Examiners, and Investigators

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Overview_b
Career 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.


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NC Salary
$33,330
$55,780
$80,280



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What It Takes
Required Level of Education - Bachelor's Degree
Related Work Experience - Over 2 years, up to and including 4 years
On-Site or In-Plant Training - Up to and including 1 month
On-the-Job Training - Over 1 month, up to and including 3 months


Overview_e
Did You Know?
  • Employment is expected to increase moderately, but many job openings will arise from the need to replace workers who retire or leave for other reasons.
  • Licensing and continuing education requirements vary by State.
  • College graduates have the best opportunities; competition will be keen for jobs as investigators because this occupation attracts many qualified people.
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Sample Tasks

  • Examine claims forms and other records to determine insurance coverage.
  • Investigate and assess damage to property and create or review property damage estimates.
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Analyze information gathered by investigation, and report findings and recommendations.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • 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.

Knowledge

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

Customer and Personal Service
Importance: StarStarStarStar
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.

Clerical
Importance: Star
Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

Law and Government
Importance: Star
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

Mathematics
Importance: Star
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

Abilities

Oral Comprehension
Importance: StarStarStar
The ability to listen to and understand information and ideas presented through spoken words and sentences.

Written Comprehension
Importance: StarStarStar
The ability to read and understand information and ideas presented in writing.

Oral Expression
Importance: StarStarStar
The ability to communicate information and ideas in speaking so others will understand.

Deductive Reasoning
Importance: StarStarStar
The ability to apply general rules to specific problems to produce answers that make sense.

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

Work Styles

Attention to Detail - Job requires being careful about detail and thorough in completing work tasks.
Dependability - Job requires being reliable, responsible, and dependable, and fulfilling obligations.
Stress Tolerance - Job requires accepting criticism and dealing calmly and effectively with high stress situations.
Integrity - Job requires being honest and ethical.
Self Control - Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
Cooperation - Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
Initiative - Job requires a willingness to take on responsibilities and challenges.
Adaptability/Flexibility - Job requires being open to change (positive or negative) and to considerable variety in the workplace.
Analytical Thinking - Job requires analyzing information and using logic to address work-related issues and problems.
Independence - Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.

ASSESS YOUR JOB SKILLS FOR THIS CAREER PATH

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Listed below are the skills that are necessary for this career path. To select which skills you have, log in.

Skill Category: Identifying Objects, Actions, and Events

Importance: StarStarStarStarStar


Skill Category: Interacting With Computers

Importance: StarStarStarStar

Skill Category: Getting Information

Importance: StarStarStarStar






Skill Category: Documenting/Recording Information

Importance: StarStarStarStar



Skill Category: Processing Information

Importance: StarStarStar







National Data Source: Bureau of Labor Statistics, Office of Occupational Statistics and Employment Projections
State Data Source: The Employment Security Commission of North Carolina