What Does an Insurance Inspector Do?

The insurance adjuster is mainly responsible for organizing customers and relevant personnel to conduct on-site investigation and evidence collection to verify the loss of insurance accidents after receiving the notice of investigation and determination of damages; interviewing customers, checking the validity of property rights, searching police and hospital records, and determining responsibilities; Investigate and collect evidence, collect, sort out, and review the damage and damage data.

Insurance adjuster

People always say that "insurance is easy, and claims are difficult", but for insurance customers, the emergence of insurance claimants makes claims no longer a problem. After ten years of development,

Investigate and collect evidence, collect, sort and review the damage and damage data;

After receiving the notice of survey and determination of damages, organize customers and relevant personnel to conduct on-site investigation and evidence collection, and verify the loss of insured accidents;

Interview customers, check the validity of property rights, search police and hospital records, and determine responsibilities;

Check the claim form and other records to determine the scope of coverage, and make claims adjustments for all claims within the scope of responsibility and agent calculations;

Reasonably explain the claims conclusion to the client and the agent, and deal with the customer's feedback on the investigation and determination of losses and claims;

Arrange and archive claims files, establish and maintain claims business database and customer risk files, analyze customer risk distribution, propose risk management countermeasures, and ensure the truth and accuracy of claims information data;

We will study relevant claims policies, management systems, and practical procedures, propose and revise opinions, and continuously improve the quality and efficiency of claims.

According to the Road Traffic Accident Handling Measures and Road Traffic Accident Handling Procedures, the following accident handling procedures are specified:

Education and training:

Bachelor degree or above in insurance, law, accounting, finance and other related majors.

work experience:

More than 2 years of practical experience in insurance claims or insurance business. Those with qualification certificates in the insurance industry are preferred.

The average annual salary of national insurance claimants is 36,000 yuan, and the annual salary of claimants in first-tier cities such as Shanghai, Shenzhen, and Guangzhou can reach 70,000 to 80,000 yuan. Among them, the salaries provided by European and American wholly foreign-owned enterprises can reach 1.3 times the average salary.

Insurance claimants are generally divided into two types: insurer direct claims and insurance agent claims. In property and liability insurance, claim adjusters mainly include claim agents, corporate claimants, independent claimants, and public claimants. According to the current status and development of different industries, the demand for talents in automotive and medical claims is the largest. Insurance claimants can be promoted to higher-level positions such as claims manager, customer service director, etc., or transferred to other departments of the insurance company or promoted to more senior administrative management positions. In addition, good quality allows them to develop in the direction of financial planners, certified public accountants and so on.

Insurance claimants generally need to practice in the counter or related service positions for about half a year before arriving at the post. After engaging in claim settlement work, they are divided into reports, preliminary examination, processing (adjustment), investigation, and post-review. Since 2011, various insurance companies have mainly employed open recruitment and centralized recruitment of college students for the recruitment of claimants. Generally, special employment certificates are not required before employment. Those who have worked in the claims counter for more than 2 years at the grassroots level can apply for the professional qualification examination of the two nuclear staff organized by each company and obtain the qualification of a primary adjuster after passing. After 4 years, you can apply for an intermediate adjuster (included in the national economic professional technical qualification examination system). In principle, the senior accountant needs to report to the head office for approval.

Judging from the number of applicants for professional qualification examinations organized by insurance companies in 2012 and the number of personnel passing the 2009 examinations, the current lack of qualifications is mainly for units below the municipal level, and there is more daily contact with customers, and they are engaged in comprehensive work but less professional. . Most of the junior adjusters work for more than 4 years. Generally, they will be transferred to higher-level units for specific positions in the 5th year. Generally, there are intermediate accountants at the municipal level, mainly engaged in case examination and approval. Senior accountants are relatively difficult to obtain. Some provinces and municipalities only have single digits. They are more engaged in business supervision and background approval.