Claims adjuster vs claims representative

The differences between claims adjusters and claims representatives can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 2-4 years to become a claims adjuster, becoming a claims representative takes usually requires 4-6 years. Additionally, a claims adjuster has an average salary of $51,116, which is higher than the $38,796 average annual salary of a claims representative.

The top three skills for a claims adjuster include insurance carriers, auto claims and customer service. The most important skills for a claims representative are customer service, quality standards, and policy coverage.

Claims adjuster vs claims representative overview

	Claims Adjuster	Claims Representative
Yearly salary	$51,116	$38,796
Hourly rate	$24.57	$18.65
Growth rate	-6%	-6%
Number of jobs	13,221	18,565
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 66%	Bachelor's Degree, 62%
Average age	44	44
Years of experience	4	6

What does a claims adjuster do?

A claim's adjuster is responsible for the handling of the insurance claims and investigating the extent of property damage and processing the business or a person's liability. Claims adjusters have a broad range of duties such as damage inspection to evaluate incident reports, communicating with property owners and spectators as well as referring to legal documents. They must also have excellent analytical and critical-thinking skills to calculate payments and analyze the complexities of multiple sources. Claims adjusters should also provide timely reports for reference and possible disputes.

What does a claims representative do?

A Claims Representative is an agent who works for insurance companies in order to investigate and settle claims. The agent acts as an intermediary between customers and insurance companies by evaluating the customers' facts surrounding claims and determining whether the loss is covered or should be compensated. Such a role is important because an agent makes sure that no fraud claims are being paid out. It is also highlighted that an agent works in compliance with state regulations.

Claims adjuster vs claims representative salary

Claims adjusters and claims representatives have different pay scales, as shown below.

	Claims Adjuster	Claims Representative
Average salary	$51,116	$38,796
Salary range	Between $40,000 And $64,000	Between $28,000 And $53,000
Highest paying City	Los Angeles, CA	Dearborn, MI
Highest paying state	New Jersey	New Jersey
Best paying company	Merchants Insurance Group	W. R. Berkley
Best paying industry	Insurance	Government

Differences between claims adjuster and claims representative education

There are a few differences between a claims adjuster and a claims representative in terms of educational background:

	Claims Adjuster	Claims Representative
Most common degree	Bachelor's Degree, 66%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims adjuster vs claims representative demographics

Here are the differences between claims adjusters' and claims representatives' demographics:

	Claims Adjuster	Claims Representative
Average age	44	44
Gender ratio	Male, 45.1% Female, 54.9%	Male, 37.5% Female, 62.5%
Race ratio	Black or African American, 11.8% Unknown, 4.4% Hispanic or Latino, 16.8% Asian, 5.2% White, 61.2% American Indian and Alaska Native, 0.5%	Black or African American, 11.0% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.4% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between claims adjuster and claims representative duties and responsibilities

Claims adjuster example responsibilities.

Achieve targeted performance goals to manage costs and support Allstate's industry-leading operational standards.
Maintain a full caseload of WC files for a Louisiana customer, for six months, while managing this team.
Manage California branch operations including supervision of 5 WC adjusting and support staff
Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures

Claims representative example responsibilities.

Perform initial set-up and continuously manage claims in the Juris claims management system.
Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Prepare necessary state filings within statutory limits, manage litigation and vocational rehabilitation process, used appropriate cost containment techniques.
Assist the training department in developing CSR training in order to set expectations.
Create custom templates and guide sheets for new trainees in the CSR Internet division to ensure consistency and increase department efficiency.
Utilize proper SIU reporting procedures for extensive investigation as required.

Claims adjuster vs claims representative skills

Common claims adjuster skills

Insurance Carriers, 13%
Auto Claims, 8%
Customer Service, 8%
Litigation, 7%
Xactimate, 6%
Claims Handling, 5%

Common claims representative skills

Customer Service, 26%
Quality Standards, 6%
Policy Coverage, 6%
Reservations, 5%
Claims Handling, 3%
Insurance Coverage, 3%

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Claims Adjuster vs Claims Representative

Updated January 8, 2025

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