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.
How AI Impacts Each Task
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 | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Examine claims forms and other records to determine insurance coverage. | 26.55Observed | 59.8% | 12% | |
| Investigate and assess damage to property and create or review property damage estimates. | 60Estimated | 51.0% | 12% | |
| Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. | 36.95Observed | 29.8% | 15% | |
| Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. | 60Estimated | 51.0% | 12% | |
| Negotiate claim settlements and recommend litigation when settlement cannot be negotiated. | 15Estimated | 21.0% | 10% | |
| Analyze information gathered by investigation and report findings and recommendations. | 68.75Observed | 54.5% | 10% | |
| Prepare report of findings of investigation. | 92Estimated | 86.0% | 8% | |
| Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. | 30Estimated | 27.0% | 8% | |
| Refer questionable claims to investigator or claims adjuster for investigation or settlement. | 90Estimated | 85.2% | 3% | |
| Collect evidence to support contested claims in court. | 50Estimated | 47.0% | 4% | |
| Obtain credit information from banks and other credit services. | 43.62Observed | 66.7% | 2% | |
| Examine titles to property to determine validity and act as company agent in transactions with property owners. | 36.95Observed | 64.0% | 2% | |
| Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit. | 87Estimated | 84.0% | 2% |
Skill Impact 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 (11)
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Recommended Courses
Courses matched to Insurance Adjusters, Examiners, and Investigators skill gaps, ranked by relevance to your displacement risk profile.
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Upskill to Reduce Risk
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Score History
Risk score over 3 scoring runs
overall change
Education & Training
Percentage of workers at each education and training level
Education Level
Prior Experience Needed
Work experience required to enter this job
Training Provided After Hiring
How long it typically takes to learn on the job
Related News
Recent articles about AI affecting this occupation
The Adjuster’s Year Ahead: What AI Will and Won’t Change About the Job
Insurance carriers are deploying AI to scan claim files for costly legal risks, shifting the daily workflow of claims adjusters. While routine document review is being automated, human oversight remains critical for complex litigation defense.
Duck Creek's New Agentic AI Targets Underwriting and Claims Jobs
The insurance tech provider released an AI platform capable of making autonomous decisions across property and casualty workflows. This directly targets the daily tasks of underwriters and claims adjusters.
Insurance Claims Adjusters Lag Behind in AI Adoption by 1.8x
Only 42% of insurance claims professionals currently use AI tools, compared to a 78% adoption rate across all other industries. This massive gap highlights a sector ripe for technological disruption and workforce upskilling.
AI in Workers' Comp Aims to Upskill Claims Professionals, Not Replace Them
Industry leaders at the California DWC conference emphasized that AI tools in workers' compensation are currently being deployed to augment clinical and legal decision-making. The focus remains on improving the accuracy of claims adjusters rather than eliminating their roles entirely.
Why Unpredictable Medical Claims Data Keeps Human Adjusters Essential
Wisedocs' analysis of over 100 million medical records reveals that the sheer unpredictability of claims data makes fully autonomous AI a liability. Human oversight remains critical to handle inconsistent formats and complex cases.
Last scored March 14, 2026 · Based on BLS employment data and O*NET task analysis