The insurance claims specialist's primary role involves handling the paperwork for insurance customers and the companies they work for. Insurance claims specialists explain insurance coverage to customers and potential customers, as well. They also provide guidance to customers when a claim is made, such as directing them to mechanics or repairmen whom the insurance company will work with.
The primary duty of an insurance claims specialist is to determine what coverage, if any, is provided when a claim is made. Insurance claims specialists work for the customers in helping them with funding when it is deserved, as well as help protect their employer from possible fraudulent claims. They also help customers decide what type of coverage they will purchase when they decide to buy insurance. Part of the insurance claims specialist's job is also keeping and updating records. The insurance claims specialist's typical work setting is in an office of an insurance company. Insurance claims specialists generally work normal business hours, Monday through Friday from 8 a.m. to 4 p.m. They usually report to the general manager of their insurance office. The tools used at work include regular office supplies such as a computer, telephone, and pen and paper.
The requirement for becoming an insurance claims specialist is a high school diploma. Those who take business math courses are also likely to improve their chances of being hired. Many positions prefer prior experience in insurance claims, as well. Some specialists require specific certifications, but this is not necessary for the basic duties of the job.
Insurance claims specialists provide a service to both the customers and the insurance company that they work for. They must provide quality customer service while at the same time protecting their company. It can be a tricky position that requires organization and good judgment.
Insurance Claims Specialist Tasks
Analyzes and interprets insurance policy in order to answer client's questions.
Works with insurance provider to obtain temporary car, house, or funds for the client.
Assists client in filing claims and handling other claim related correspondence.
Assesses damages and meets with insurance personnel to receive compensation for the client.