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The differences between bodily injury adjusters and insurance examiners can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a bodily injury adjuster and an insurance examiner. Additionally, a bodily injury adjuster has an average salary of $55,281, which is higher than the $50,967 average annual salary of an insurance examiner.
The top three skills for a bodily injury adjuster include bodily injury claims, liability claims and claims handling. The most important skills for an insurance examiner are EKG, financial statements, and blood pressure.
| Bodily Injury Adjuster | Insurance Examiner | |
| Yearly salary | $55,281 | $50,967 |
| Hourly rate | $26.58 | $24.50 |
| Growth rate | -6% | -6% |
| Number of jobs | 7,720 | 39,601 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 75% | Bachelor's Degree, 46% |
| Average age | 44 | 44 |
| Years of experience | 4 | 4 |
In insurance companies, a bodily injury adjuster is primarily in charge of handling insurance claims involving physical injuries. They verify the clients' identification and insurance coverage, study insurance policies, travel to meet the clients, conduct interviews with every party involved in the claim, gather statements from witnesses, collect video or photographic evidence, audit medical expenses, and coordinate with medical experts for additional insights. Through their research, they develop detailed reports and conclusions that will help the company in processing their insurance claim. Moreover, there are times when a bodily injury adjuster must attend trials and present information to the judge.
A claims examiner is responsible for conducting a claim review of a client against a particular insurance company--usually a health and life insurance company. An examiner must review claims and then approve them, reject them, or develop a possible settlement. They need to communicate with policyholders and insurance agents to assess if all the information under the company's claims guidelines and policies are correct and accurate.
Bodily injury adjusters and insurance examiners have different pay scales, as shown below.
| Bodily Injury Adjuster | Insurance Examiner | |
| Average salary | $55,281 | $50,967 |
| Salary range | Between $39,000 And $76,000 | Between $34,000 And $76,000 |
| Highest paying City | - | Farmington, CT |
| Highest paying state | - | Rhode Island |
| Best paying company | - | RSM US |
| Best paying industry | - | Health Care |
There are a few differences between a bodily injury adjuster and an insurance examiner in terms of educational background:
| Bodily Injury Adjuster | Insurance Examiner | |
| Most common degree | Bachelor's Degree, 75% | Bachelor's Degree, 46% |
| Most common major | Business | Business |
| Most common college | California State University - Bakersfield | University of Pennsylvania |
Here are the differences between bodily injury adjusters' and insurance examiners' demographics:
| Bodily Injury Adjuster | Insurance Examiner | |
| Average age | 44 | 44 |
| Gender ratio | Male, 39.4% Female, 60.6% | Male, 24.1% Female, 75.9% |
| Race ratio | Black or African American, 12.9% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 60.8% American Indian and Alaska Native, 0.5% | Black or African American, 12.3% Unknown, 4.5% Hispanic or Latino, 15.7% Asian, 6.0% White, 61.0% American Indian and Alaska Native, 0.5% |
| LGBT Percentage | 10% | 10% |