Insurance Investigator
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An Insurance Investigator works for a government or private company to assess whether insurance claims are legitimate. They bring a critical eye to files to look for fraud and other reasons why an insurance claim should not be honored. In many cases, insurance investigators may interview involved parties, check on damages, obtain and review medical or automobile repair records, and consult with experts in order to make a decision about the legitimacy of the claim.
Skills Involved
The work of an insurance investigator is centered around details. They must be able to switch gears from interviewing involved parties and taking their statements to poring over documents looking for inconsistencies. Reading comprehension, writing skills, and verbal communication are all key to success. Most also need to have a sense of the medical, mechanical, or construction fields, since the claims may span injuries, accidents, and property damage.
Work Environment
Insurance investigators may work in an office or travel to various locations to conduct investigations. Someone in this career could be on their feet a lot, and spend time interviewing people at accident scenes or visiting repair shops for vehicles. Much of their work may be done alone, though they may work with other insurance investigators and insurance company employees as part of their daily work.
Education and Background
Many insurance investigators start their careers with an associate or bachelor's degree in insurance, criminology, criminal justice, accounting, mathematics, or a related field. In addition to education, most insurance investigators have some experience in fields such as law enforcement, claims adjusting, or auto repair. They may also need to have a license or certification, depending on their state's requirements.
Projects
Projects that an insurance investigator may work on include:
