Insurance Adjusters, Examiners, and Investigators
SOC: 13-1031.02 · Job Zone 3 (Medium preparation)
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.
AI Impact Summary
Insurance Adjusters, Examiners, and Investigators faces moderate AI displacement risk with a score of 41/100. Significant displacement is estimated between 2038 and 2046. Of 13 analyzed tasks, 6 are highly automatable, particularly in routine_cognitive. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Wage & Employment (2024)
Median Wage
$76,790
per year
Mean Wage
$78,770
per year
Employment
305K
workers
Wage Range
$47,810 - $112,150
10th - 90th pct
Wage Distribution
Protective Factors
Total protective discount: 24.4%
Skill Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (7)
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Manual Dexterity is AI-resistant — strengthening this skill provides durable career protection.
Instructing is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (5)
Recommendations
Skills to Develop
These skills are at risk from AI automation. Insurance Adjusters, Examiners, and Investigators professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Negotiation
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
- Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
- Coordination
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Systems Analysis
Systems Analysis will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Task Breakdown
13 tasks analyzed
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.
Prepare report of findings of investigation.
Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
Refer questionable claims to investigator or claims adjuster for investigation or settlement.
Collect evidence to support contested claims in court.
Obtain credit information from banks and other credit services.
Examine titles to property to determine validity and act as company agent in transactions with property owners.
Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
| Task | Category | AI Capability | Risk Score | Time % |
|---|---|---|---|---|
| Examine claims forms and other records to determine insurance coverage. | Routine Cognitive | 90 | 85.2 | 12% |
| Investigate and assess damage to property and create or review property damage estimates. | Non-Routine Analytical | 70 | 55.0 | 12% |
| Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. | Non-Routine Interpersonal | 35 | 29.0 | 15% |
| Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. | Non-Routine Analytical | 70 | 55.0 | 12% |
| Negotiate claim settlements and recommend litigation when settlement cannot be negotiated. | Non-Routine Interpersonal | 20 | 23.0 | 10% |
| Analyze information gathered by investigation and report findings and recommendations. | Non-Routine Analytical | 65 | 53.0 | 10% |
| Prepare report of findings of investigation. | Routine Cognitive | 90 | 85.2 | 8% |
| Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. | Non-Routine Interpersonal | 30 | 27.0 | 7% |
| Refer questionable claims to investigator or claims adjuster for investigation or settlement. | Routine Cognitive | 90 | 85.2 | 3% |
| Collect evidence to support contested claims in court. | Non-Routine Analytical | 60 | 51.0 | 5% |
| Obtain credit information from banks and other credit services. | Routine Cognitive | 95 | 87.2 | 2% |
| Examine titles to property to determine validity and act as company agent in transactions with property owners. | Routine Cognitive | 70 | 77.2 | 2% |
| Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit. | Routine Cognitive | 85 | 83.2 | 2% |
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