Claims Investigator (Insurance Companies, Claims Adjustment Companies)
そんがいさていちょうさいいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
Specialist in the insurance field responsible for investigating and assessing damages from accidents, disasters, etc., and determining the insurance payout amount.
Description
Claims investigators receive notifications of accidents or damages from insurance policyholders, conduct on-site investigations, take photos, and interview related parties. Based on the collected information, they calculate the damage amount, determine the insurance payout, and prepare assessment reports. They collaborate with other departments in the insurance company, repair shops, and sometimes legal experts to ensure fair and prompt responses. In recent years, business efficiency has improved with the introduction of digital tools and AI, but complex cases require face-to-face negotiations and specialized knowledge.
Future Outlook
While assessment operations are becoming more efficient through the use of AI and digital tools, demand continues for complex cases and tasks requiring interpersonal negotiation skills. The market value of highly specialized adjusters and those with data analysis skills is on an upward trend.
Personality Traits
Able to respond flexibly / Excellent communication skills / Honest / Strong sense of responsibility
Work Style
Daytime work / Fieldwork with business trips / Office work / Partial remote work possible
Career Path
Junior Claims Investigator → Senior Claims Investigator → Chief Claims Investigator → Claims Department Manager → Adjuster
Required Skills
Accident investigation / Appraisal and evaluation techniques / Non-life insurance knowledge / Office software / Report writing
Recommended Skills
Automotive maintenance / Data analysis / Foreign language support / Legal knowledge / Negotiation skills
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | To analyze damage situations and derive reasonable assessment amounts. |
| Attention to Detail & Accuracy | Because error-free verification is essential for precise damage assessment. |
| Communication Skills | To negotiate and explain with insured parties and contractors. |
| Numerical & Quantitative Analysis | Because mathematical abilities are required for calculating damage amounts and insurance payments. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because there are many routine tasks, and creative thinking is not particularly required. |
Related Qualifications
- Certified Non-Life Insurance Adjuster
- Non-Life Insurance Salesperson Qualification
Aliases
- Casualty Claims Adjuster
- Insurance Claims Investigator
Related Jobs
- Claims Investigator
- Insurance Adjuster
- Risk Analyst