A Claims adjuster is an important individual within the field of insurance, both to the firm selling the policy and to the person who is insured. In summary, a claims adjuster is simply a person who will investigate a claim by an insured individual. A claims adjuster is necessary in all branches of insurance, including homeowners, vehicle, medical, and many others.
In all cases they will examine the liability involved, will assess damages, and will determine the amount that the insurance company would need to reimburse the insured if their claim is approved. A claims adjuster is obviously the first authority on whether to approve or deny a claim as well.
If you are a detail-oriented person who also enjoys helping people then becoming a claims adjuster just might be the career for you. Requirements to become a claims adjuster vary by state; some require a college degree, a satisfactory score on state test, or a combination of both. Depending on the type of adjusting that is being done, some companies would prefer a background in the field. For example, an automobile claims adjuster would do well to have a background in auto body mechanics. A medical or legal background could be helpful for those investigating workers compensation claims, and a claims adjuster who is responsible for industrial should have a background in engineering, architecture, and construction.
Can you get a job as a claims adjuster right out of high school? Yes and no. Most insurance firms now require some combination of a college degree and the requisite experience. If this is your goal, you might have to consider working your way up to it. There are also agencies that hire people to be a public claim adjuster, considered to be self-employed. Many think that a public claims adjuster would be more impartial than a claims adjuster who works for an insurance firm.