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Insurance investigator vs subrogation specialist

The differences between insurance investigators and subrogation specialists can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both an insurance investigator and a subrogation specialist. Additionally, a subrogation specialist has an average salary of $52,739, which is higher than the $40,373 average annual salary of an insurance investigator.

The top three skills for an insurance investigator include insurance claims, insurance benefits and general liability. The most important skills for a subrogation specialist are insurance carriers, arbitration, and subrogation claims.

Insurance investigator vs subrogation specialist overview

Insurance InvestigatorSubrogation Specialist
Yearly salary$40,373$52,739
Hourly rate$19.41$25.36
Growth rate-6%-6%
Number of jobs38,20122,219
Job satisfaction--
Most common degreeBachelor's Degree, 62%Bachelor's Degree, 55%
Average age4444
Years of experience44

Insurance investigator vs subrogation specialist salary

Insurance investigators and subrogation specialists have different pay scales, as shown below.

Insurance InvestigatorSubrogation Specialist
Average salary$40,373$52,739
Salary rangeBetween $26,000 And $61,000Between $40,000 And $69,000
Highest paying City--
Highest paying state--
Best paying company--
Best paying industry--

Differences between insurance investigator and subrogation specialist education

There are a few differences between an insurance investigator and a subrogation specialist in terms of educational background:

Insurance InvestigatorSubrogation Specialist
Most common degreeBachelor's Degree, 62%Bachelor's Degree, 55%
Most common majorCriminal JusticeBusiness
Most common collegeCalifornia State University - BakersfieldStanford University

Insurance investigator vs subrogation specialist demographics

Here are the differences between insurance investigators' and subrogation specialists' demographics:

Insurance InvestigatorSubrogation Specialist
Average age4444
Gender ratioMale, 58.0% Female, 42.0%Male, 33.3% Female, 66.7%
Race ratioBlack 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%Black or African American, 10.7% Unknown, 4.4% Hispanic or Latino, 16.9% Asian, 5.2% White, 62.2% American Indian and Alaska Native, 0.5%
LGBT Percentage10%10%

Differences between insurance investigator and subrogation specialist duties and responsibilities

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.

Subrogation specialist example responsibilities.

  • Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
  • Finalize claim settlements, process reimbursement checks and forward unsettled claim files to litigation or arbitration.
  • Run CCC evaluations to determine vehicle values for proper settlement negotiations.
  • Claim handling, negotiation and settlements of files within the CCC guidelines.
  • Review and complete title and DMV transfer forms to process and dispose salvage vehicles.
  • Assist auto owners with salvage title guidelines respective to their state DMV's rules.
  • Show more

Insurance investigator vs subrogation specialist skills

Common insurance investigator skills
  • Insurance Claims, 14%
  • Insurance Benefits, 12%
  • General Liability, 9%
  • Scene Investigations, 7%
  • Insurance Laws, 6%
  • Consumer Complaints, 6%
Common subrogation specialist skills
  • Insurance Carriers, 15%
  • Arbitration, 10%
  • Subrogation Claims, 7%
  • Litigation, 6%
  • Workers Compensation, 6%
  • Liability Claims, 6%

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