What is a Claims Adjuster?

Claims officer means investigating, analyzing, and determining the liability of an insurance company in the event of illness, injury, or property loss; attempting to resolve a complainant's problem; interviewing a medical expert, insurance agent, eyewitness, or plaintiff to collect information; calculating and Pay the fee.

Claims officer

In an insurance company, the claims officer can be promoted to the manager or assistant of the manager, and the manager of the claims department can be transferred to other departments of the insurance company or promoted to a higher administrative management position. Outstanding performers can also go to other insurance companies for more attractive positions.

An undergraduate or specialist degree in insurance, finance, accounting, law, economics, or business is important for this position. A master's degree in management or economics or finance is also required if you want to advance to a more advanced position. Mathematics, computer, law, and language courses are very helpful for this position, and effective interpersonal communication, negotiation and writing skills are also important.

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. The pay of a claim adjuster is linked to the number of years of work. The longer you work, the higher your income.

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, etc.

1. Interview or meet the plaintiffs and witnesses, consult the police and hospital records, and inspect the property to determine the degree of responsibility.

2. Investigate and estimate damage to property.

3. Check the claim form and other records to determine the coverage.

4. Analyze the information as a result of the survey and report conclusions and recommendations.

5. When settlement cannot be negotiated, negotiate claims and suggest litigation.

6. Prepare a report of the conclusions of the investigation.

7. Collect evidence to support the disputed claim in court.

8. The power to inspect the property is determined to be valid and to act as a company agent in transactions with the owner.

9. Receiving or complying with agents and plaintiffs to correct errors or omit and investigate suspicious claims.

10. Introduce suspicious claims to the investigator or claim adjuster for investigation or settlement.