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.
AI Impact Summary
Insurance Adjusters, Examiners, and Investigators faces moderate AI displacement risk with a score of 34/100. This occupation has higher AI displacement risk than 62% of all analyzed occupations. Of 13 analyzed tasks, 3 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
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.
AI-Augmented Skills (7)
Recommended Courses
Courses matched to Insurance Adjusters, Examiners, and Investigators skill gaps, ranked by relevance to your displacement risk profile.
Get personalized recommendations. Answer a few questions about your experience and skills to get course suggestions tailored specifically to you.
Upskill to Reduce Risk
Courses addressing your most AI-vulnerable skills
SQL Fundamentals Skill Track
by DataCamp
Estimated Impact
AI-Augmentation Tools
Learn to work alongside AI and boost your productivity
Creative Writing Specialization
by Wesleyan University
Estimated Impact
Strengthen Your Edge
Double down on skills AI can't replicate
Negotiation, Mediation, and Conflict Resolution
by ESSEC Business School
Estimated Impact
We may earn a commission when you enroll through our links, at no extra cost to you. This helps fund the Takeover Tracker.
Risk reduction and salary impact are estimates based on skill gap analysis, course relevance, and labor market data. Actual results vary by individual circumstance.
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
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% |
Protective Factors
Total protective discount: 30.9%
Essential Soft Skills
Traits that are hard for AI to replicate
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
Explore other career paths
Compare displacement risk across occupations and find careers with stronger long-term prospects.
Alternate Career Paths
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Loan Officers
37%Median salary: $74,180
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Claims Examiners, Property and Casualty Insurance
37%Median salary: $76,790
Higher risk than 72% of other occupations
Assessors
39%Higher risk than 78% of other occupations
Eligibility Interviewers, Government Programs
41%Median salary: $51,500
Higher risk than 83% of other occupations
Paralegals and Legal Assistants
43%Median salary: $61,010
Higher risk than 88% of other occupations
Tax Examiners and Collectors, and Revenue Agents
43%Median salary: $59,740
Higher risk than 88% of other occupations
Loan Interviewers and Clerks
47%Median salary: $48,950
Higher risk than 94% of other occupations
Procurement Clerks
49%Median salary: $48,510
Higher risk than 97% of other occupations
Brokerage Clerks
52%Median salary: $62,940
Higher risk than 98% of other occupations
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.
- Adaptability/Flexibility
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
- 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.
- Leadership
Leadership 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.
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.
- Monitoring
Monitoring will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Score History
Risk score over 3 scoring runs
overall change