Claims Adjusters, Examiners, and Investigators

Task by task

Each task this job involves, as listed by O*NET, rated on whether a large language model like GPT-4 could cut the time it takes by at least half at the same quality. Tasks marked Seen in real AI use appeared in conversations with Claude in April–May 2026 (Anthropic Economic Index).

• AI can speed this up on its own: 3 (10%)
• AI can speed this up with extra software: 25 (86%)
• Little or no AI speed-up: 1 (3%)

• Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.AI can speed this up on its own · core task · Seen in real AI use
• Communicate with reinsurance brokers to obtain information necessary for processing claims.AI can speed this up on its own · supplemental task
• Prepare reports to be submitted to company's data processing department.AI can speed this up on its own · supplemental task
• Examine claims forms and other records to determine insurance coverage.AI can speed this up with extra software · core task
• Analyze information gathered by investigation and report findings and recommendations.AI can speed this up with extra software · core task · Seen in real AI use
• Pay and process claims within designated authority level.AI can speed this up with extra software · core task
• Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.AI can speed this up with extra software · core task
• Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.AI can speed this up with extra software · core task · Seen in real AI use
• Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.AI can speed this up with extra software · core task
• Investigate and assess damage to property and create or review property damage estimates.AI can speed this up with extra software · core task
• Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.AI can speed this up with extra software · core task
• Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.AI can speed this up with extra software · core task
• Resolve complex, severe exposure claims, using high service oriented file handling.AI can speed this up with extra software · core task
• Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.AI can speed this up with extra software · core task
• Confer with legal counsel on claims requiring litigation.AI can speed this up with extra software · core task
• Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.AI can speed this up with extra software · core task
• Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.AI can speed this up with extra software · core task
• Refer questionable claims to investigator or claims adjuster for investigation or settlement.AI can speed this up with extra software · core task
• Collect evidence to support contested claims in court.AI can speed this up with extra software · core task
• Contact or interview claimants, doctors, medical specialists, or employers to get additional information.AI can speed this up with extra software · core task
• Present cases and participate in their discussion at claim committee meetings.AI can speed this up with extra software · core task
• Report overpayments, underpayments, and other irregularities.AI can speed this up with extra software · core task · Seen in real AI use
• Supervise claims adjusters to ensure that adjusters have followed proper methods.AI can speed this up with extra software · supplemental task
• Conduct detailed bill reviews to implement sound litigation management and expense control.AI can speed this up with extra software · supplemental task
• Examine titles to property to determine validity and act as company agent in transactions with property owners.AI can speed this up with extra software · supplemental task
• Obtain credit information from banks and other credit services.AI can speed this up with extra software · supplemental task
• Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.AI can speed this up with extra software
• Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.AI can speed this up with extra software · Seen in real AI use
• Attend mediations or trials.Little or no AI speed-up · core task