Insurance claims representatives take claim information from customers when they have been in accidents or need to make additional claims; the insurance may be in automotive, life, or real estate. These representatives gather all of the information needed in order to file a claim and help the customer determine their next steps.
These representatives may refer clients to investigative departments so that the car or house involved in the claim can be analyzed to determine whether the customer is entitled to a claim. In some jobs, the representative will also determine the conclusion of loss based on the customer's coverage and what damages have been encountered. This sometimes involves negotiating with the insurance companies of other parties involved.
Some insurance companies may prefer applicants with prior experience, while others will provide on-the-job training for those with little or no experience in the field. Strong customer service skills are important so customers feel at ease in the process and will continue to use the company's services. Some customers may be traumatized, so it is important to be sensitive to this, as well.
This job often requires working in a busy and noisy call center environment, so it is important to be able to multitask and work well under stress. Computer skills are required in order to input and process claims, and a high school diploma is usually a minimum requirement.
Insurance Claims Representative Tasks
Performs system functions such as entering information and updates into database.
Provides claim status information to clients.
Verifies accuracy and completeness of insurance claims.
Conducts investigations to determine coverage for claims.