Bodily injury adjuster vs insurance investigator

The differences between bodily injury adjusters and insurance investigators 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 investigator. Additionally, a bodily injury adjuster has an average salary of $55,281, which is higher than the $40,373 average annual salary of an insurance investigator.

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 investigator are insurance claims, insurance benefits, and general liability.

Bodily injury adjuster vs insurance investigator overview

	Bodily Injury Adjuster	Insurance Investigator
Yearly salary	$55,281	$40,373
Hourly rate	$26.58	$19.41
Growth rate	-6%	-6%
Number of jobs	7,720	38,201
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 75%	Bachelor's Degree, 62%
Average age	44	44
Years of experience	4	4

What does a bodily injury adjuster do?

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.

What does an insurance investigator do?

A claims investigator is responsible for examining and investigating in a particular insurance claim is valid. They ensure that the insurance company will settle claims as soon as possible. They resolve issues to prevent fraudulent allegations. This career also requires effective communication. Claims investigators must often conduct interviews.

Bodily injury adjuster vs insurance investigator salary

Bodily injury adjusters and insurance investigators have different pay scales, as shown below.

	Bodily Injury Adjuster	Insurance Investigator
Average salary	$55,281	$40,373
Salary range	Between $39,000 And $76,000	Between $26,000 And $61,000
Highest paying City	-	-
Highest paying state	-	-
Best paying company	-	-
Best paying industry	-	-

Differences between bodily injury adjuster and insurance investigator education

There are a few differences between a bodily injury adjuster and an insurance investigator in terms of educational background:

	Bodily Injury Adjuster	Insurance Investigator
Most common degree	Bachelor's Degree, 75%	Bachelor's Degree, 62%
Most common major	Business	Criminal Justice
Most common college	California State University - Bakersfield	California State University - Bakersfield

Bodily injury adjuster vs insurance investigator demographics

Here are the differences between bodily injury adjusters' and insurance investigators' demographics:

	Bodily Injury Adjuster	Insurance Investigator
Average age	44	44
Gender ratio	Male, 39.4% Female, 60.6%	Male, 58.0% Female, 42.0%
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, 11.4% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.5% White, 61.4% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between bodily injury adjuster and insurance investigator duties and responsibilities

Bodily injury adjuster example responsibilities.

Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
Develop strategies for handling lawsuits involving personal injury litigation and insurance coverage issues.
Prepare and answer property damage homeowner arbitration contentions.
Resolve complaints and participates in arbitration and/or grievance procedures.
Determine and execute proper disposition plans on all claims and negotiate claims to a conclusion to minimize litigation where appropriate.
Research and review delinquent mortgage cases, financial scenarios and individual homeowner situations to develop solutions compliant with investor policy.

Insurance investigator example responsibilities.

Manage and dispose of claims in litigation by preparing and developing strategy with defense counsel and consensus relative to litigation handling.
Research commercial coverage plans and government plans such as Medicare and Medicaid.
Follow all HIPPA guidelines and procedures to protect patients and company interest.
Analyze high risk transaction activity and provide final approval of investigative case analyses utilize for SAR preparation and filing.
Prepare facility specific HIPAA authorizations for release of records.

Bodily injury adjuster vs insurance investigator skills

Common bodily injury adjuster skills

Bodily Injury Claims, 13%
Liability Claims, 12%
Claims Handling, 7%
Customer Service, 6%
Litigation, 6%
Auto Accidents, 4%

Common insurance investigator skills

Insurance Claims, 14%
Insurance Benefits, 12%
General Liability, 9%
Scene Investigations, 7%
Insurance Laws, 6%
Consumer Complaints, 6%

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Bodily Injury Adjuster
Bodily Injury Adjuster vs Insurance Investigator

Updated January 8, 2025

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