Insurance Adjusters, Examiners, and Investigators

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.

tasks jobzones knowledge skills abilities work_activities work_context interests work_styles work_values

Tasks

• 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.

• Refer questionable claims to investigator or claims adjuster for investigation or settlement.

• Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.

• Examine titles to property to determine validity and act as company agent in transactions with property owners.

• Prepare report of findings of investigation.

• Collect evidence to support contested claims in court.

• Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.

• Analyze information gathered by investigation, and report findings and recommendations.

• Examine claims forms and other records to determine insurance coverage.

Back to top

Job Zone

• Name: Job Zone Three: Medium Preparation Needed

• Experience: Previous work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.

• Education: Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree. Some may require a bachelor's degree.

• Job training: Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers.

• Examples: These occupations usually involve using communication and organizational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include funeral directors, electricians, forest and conservation technicians, legal secretaries, interviewers, and insurance sales agents.

• Svp range: (6.0 to < 7.0)

Back to top

Knowledge

Browse 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.

• Clerical
  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.

• Computers and Electronics
  Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

• 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.

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

• Education and Training
  Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

• Administration and Management
  Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

• Personnel and Human Resources
  Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

• Communications and Media
  Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

Back to top

Skills

Browse Skills

• Reading Comprehension
  Understanding written sentences and paragraphs in work related documents.

• Negotiation
  Bringing others together and trying to reconcile differences.

• Time Management
  Managing one's own time and the time of others.

• Persuasion
  Persuading others to change their minds or behavior.

• Judgment and Decision Making
  Considering the relative costs and benefits of potential actions to choose the most appropriate one.

• 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.

• Speaking
  Talking to others to convey information effectively.

• Writing
  Communicating effectively in writing as appropriate for the needs of the audience.

• Learning Strategies
  Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.

Back to top

Abilities

Browse Abilities

• Near Vision
  The ability to see details at close range (within a few feet of the observer).

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

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

• Written Comprehension
  The ability to read and understand information and ideas presented in writing.

• Written Expression
  The ability to communicate information and ideas in writing so others will understand.

• 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).

• Far Vision
  The ability to see details at a distance.

• Speech Recognition
  The ability to identify and understand the speech of another person.

• Problem Sensitivity
  The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

Back to top

Work Activities

Browse Work Activities

• Establishing and Maintaining Interpersonal Relationships
  Developing constructive and cooperative working relationships with others, and maintaining them over time.

• Communicating with Persons Outside Organization
  Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

• Organizing, Planning, and Prioritizing Work
  Developing specific goals and plans to prioritize, organize, and accomplish your work.

• Judging the Qualities of Things, Services, or People
  Assessing the value, importance, or quality of things or people.

• Communicating with Supervisors, Peers, or Subordinates
  Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

• Resolving Conflicts and Negotiating with Others
  Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

• Processing Information
  Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

• Updating and Using Relevant Knowledge
  Keeping up-to-date technically and applying new knowledge to your job.

• Making Decisions and Solving Problems
  Analyzing information and evaluating results to choose the best solution and solve problems.

• Evaluating Information to Determine Compliance with Standards
  Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.

Back to top

Work Context

• Electronic Mail
  How often do you use electronic mail in this job?

• Letters and Memos
  How often does the job require written letters and memos?

• Contact With Others
  How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?

• Telephone
  How often do you have telephone conversations in this job?

• Frequency of Decision Making
  How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?

• Deal With External Customers
  How important is it to work with external customers or the public in this job?

• Impact of Decisions on Co-workers or Company Results
  How do the decisions an employee makes impact the results of co-workers, clients or the company?

• Spend Time Sitting
  How much does this job require sitting?

• Face-to-Face Discussions
  How often do you have to have face-to-face discussions with individuals or teams in this job?

• Indoors, Environmentally Controlled
  How often does this job require working indoors in environmentally controlled conditions?

Back to top

Interests

Browse Interests

• Enterprising
  Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.

• Investigative
  Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.

• Social
  Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.

• Conventional
  Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.

• Realistic
  Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others.

• Artistic
  Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.

Back to top

Work Styles

• Integrity
  Job requires being honest and ethical.

• Attention to Detail
  Job requires being careful about detail and thorough in completing work tasks.

• Self Control
  Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.

• 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.

• Achievement/Effort
  Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.

• 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.

• Leadership
  Job requires a willingness to lead, take charge, and offer opinions and direction.

• Analytical Thinking
  Job requires analyzing information and using logic to address work-related issues and problems.

Back to top

Work Values

Browse Work Values

• Company Policies and Practices
  Workers on this job are treated fairly by the company.

• Advancement
  Workers on this job have opportunities for advancement.

• Ability Utilization
  Workers on this job make use of their individual abilities.

• Supervision, Human Relations
  Workers on this job have supervisors who back up their workers with management.

• Achievement-Mean Extent
  Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.

• Achievement
  Workers on this job get a feeling of accomplishment.

• Activity
  Workers on this job are busy all the time.

• Support-Mean Extent
  Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.

• Responsibility
  Workers on this job make decisions on their own.

• Security
  Workers on this job have steady employment.

Back to top