| In a world of risk, it is increasingly common for | | | | The working environment for insurance claims |
| persons and businesses to buy insurance policies | | | | agents can be stressful, and most adjusters will |
| which will protect them from damage due to | | | | be away from their office for days a time, such |
| natural disaster or uncontrollable events, such as a | | | | as in the event of a wide scale flood. Those |
| car collision. Insurance investigators and adjusters | | | | agents specializing in auto collisions may have to |
| are the individuals that a claim holder turns to | | | | be on call frequently, and most adjusters will have |
| when they require a claim to be processed. | | | | to work 50 to 60 hours a week on average. |
| Insurance adjusters are responsible for handling | | | | The barriers to entry to the profession of the |
| the initial claim that has been filed when an | | | | claims adjuster will vary, and there are no formal |
| automobile collision takes place, or a hurricane or | | | | training requirements in order to enter the |
| tomato damage is a person's home. They will | | | | profession. Most insurance claims examiners have |
| interview police, hospitals, witnesses, and other | | | | a bachelor's degree, and agencies prefer to hire |
| individuals in order to make sure that the claims | | | | those claims agents with a more advanced |
| are paid out properly and that the victim is | | | | education. |
| compensated adequately. | | | | In 2006, the individuals in this line of work held |
| Claim examiners have the job of reviewing claims | | | | over 300,000 jobs in America, with most working |
| in order to make sure that all the paperwork has | | | | for private agencies, brokerage houses, and other |
| been filed properly. These professionals will also | | | | financial industries, offering insurance on securities. |
| authorize payouts of insurance claims, and they | | | | Job prospects overall for these professionals are |
| will make sure that the insurance contract has | | | | good and should keep pace with the average |
| been followed properly. | | | | growth of population over the next decade. |
| Insurance investigators will play a more active role | | | | In 2006, claims adjusters and claims investigators |
| in determining if fraud is taking place. These | | | | in the highest paid 10% of the profession earned |
| investigative professionals may take photographs | | | | $80,000 a year, with the median fiftieth percentile |
| of damage and conduct interviews and stakeouts | | | | earning between $38,500 and $65,200. Most |
| in order to try to catch a client falsifying disability | | | | employees will also receive benefits from the firm |
| claims or staging accidents to receive monetary | | | | that hired them, which can include a company car, |
| gain. | | | | a laptop, and a cell phone, among other perks. |