How To Become A Claims Representative: What It Is and Career Path - Zippia (2024)

Updated April 25, 2024

6 min read

How To Become A Claims Representative: What It Is and Career Path - Zippia (1)

A claims representative works for an insurance company to investigate and process claims. They interact with policyholders to gather information, review policies and coverage, and determine the validity of the claim. Claims representatives also work with adjusters, medical professionals, and experts to evaluate damages and resolve claims efficiently. They must have excellent communication skills, attention to detail, and fair decision-making practices. Overall, they ensure policyholders receive fair compensation and protect the interests of the insurance company.

How long does it takes to become a claims representative?

It typically takes 6-8 years to become a claims representative:

  • Years 1-4: Obtaining a Bachelor's degree in a relevant field, such as business, finance, or insurance.
  • Years 5-6: Accumulating the necessary work experience in handling claims, customer service, or related fields.
  • Years 7-8: Completing on-the-job training, typically lasting 1-2 years.
  • Salary$38,796
  • Growth Rate-6%
  • Jobs Number18,565
  • Most Common SkillCustomer Service
  • Most Common DegreeBachelor's degree
  • Best StateNew Jersey

What are the pros and cons of being a Claims Representative?

Pros

  • Competitive salary and benefits

  • Opportunity to work remotely

  • Job stability and security

  • Opportunities for teamwork and collaboration

  • Flexibility in work schedule

Cons

  • High stress and pressure to meet deadlines

  • Repetitive tasks and processes

  • Long hours or mandatory overtime during peak seasons

  • Working weekends or holidays

  • Limited decision-making authority

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Claims Representative career paths

A claims representative may pursue a variety of career paths. They can become a claims adjuster, senior claims adjuster, or claims manager. They can also become an office manager, practice manager, or business office manager. Some may also choose to become a team leader, customer service manager, or accounts receivable manager. Additionally, they can pursue a career as a specialist, benefit specialist, or benefits manager.

Key steps to become a claims representative

  1. Explore claims representative education requirements

    The educational requirements for a claims representative are typically a bachelor's degree. According to the data, 69.21% of claims representatives have a bachelor's degree. The most common majors for this role are Business, Criminal Justice, Psychology, Communication, and Political Science.

    Professional certifications such as Associate in Claims, Certified Billing and Coding Specialist, and Associate in General Insurance can also be beneficial. Some of the top schools known for producing successful claims representatives are Stanford University, University of Pennsylvania, Northwestern University, Maine Maritime Academy, and University of Southern California.

    Most common claims representative degrees

    Bachelor's

    62.3

    %

    Associate

    15.5

    %

    High School Diploma

    10.0

    %

  2. Start to develop specific claims representative skills

    A claims representative's job involves preparing state filings, managing litigation, and negotiating with attorneys. They also review and manage insurance claims, investigate coverage, liability, and damages, and communicate with policyholders, claimants, and attorneys. They must have strong investigation and negotiation skills, as well as the ability to maintain open communication with repair shops and keep customers informed. They must also adhere to policy provisions and conditions while ensuring a positive customer experience.

    SkillsPercentages
    Customer Service25.90%
    Quality Standards6.46%
    Policy Coverage6.39%
    Reservations5.21%
    Claims Handling3.39%

    Show more

  3. Complete relevant claims representative training and internships

    Accountants spend an average of 1-2 years on post-employment, on-the-job training. New claims representatives learn the skills and techniques required for their job and employer during this time. The chart below shows how long it takes to gain competency as a claims representative based on U.S. Bureau of Labor Statistics data and data from real claims representative resumes.

  4. Gain additional claims representative certifications

    Claims representative certifications can show employers you have a baseline of knowledge expected for the position. Certifications can also make you a more competitive candidate. Even if employers don't require a specific claims representative certification, having one may help you stand out relative to other applicants.

    The most common certifications for claims representatives include Associate in Claims (AIC) and Certified Billing and Coding Specialist (CBCS).

    More About Certifications
  5. Research claims representative duties and responsibilities

    A claims representative's responsibilities include preparing state filings, managing litigation, and negotiating with attorneys. They also investigate coverage, liability, and damages for various types of claims, obtain facts, and make decisions based on policy coverage and conditions. They handle commercial auto and general liability claims, review medical records, and take inbound and outbound calls. They also work directly with defense counsel, develop relationships, and decrease expenses while ensuring appropriate payment.

    • 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.
  6. Prepare your claims representative resume

    When your background is strong enough, you can start writing your claims representative resume.

    You can use Zippia's AI resume builder to make the resume writing process easier while also making sure that you include key information that hiring managers expect to see on a claims representative resume. You'll find resume tips and examples of skills, responsibilities, and summaries, all provided by Zippi, your career sidekick.

    Choose From 10+ Customizable Claims Representative Resume templates

    Build a professional

    Claims Representative

    resume in minutes. Browse through our resume examples to identify the best way to word your resume.

    Then choose from 10+ resume templates to create your Claims Representative resume.

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  7. Apply for claims representative jobs

    Now it's time to start searching for a claims representative job. Consider the tips below for a successful job search:

    1. Browse job boards for relevant postings
    2. Consult your professional network
    3. Reach out to companies you're interested in working for directly
    4. Watch out for job scams

How To Become A Claims Representative: What It Is and Career Path - Zippia (18)

Are you a Claims Representative?

Share your story for a free salary report.

Average claims representative salary

The average Claims Representative salary in the United States is $38,796 per year or $19 per hour. Claims representative salaries range between $28,000 and $53,000 per year.

Average

Claims Representative

Salary

$38,796Yearly

$18.65

hourly

More claims representative salary info

What Am I Worth?

How To Become A Claims Representative: What It Is and Career Path - Zippia (19)

How do claims representatives rate their job?

-/5

5 Stars

4 Stars

3 Stars

2 Stars

1 Star

Claims Representative reviews

How To Become A Claims Representative: What It Is and Career Path - Zippia (20)

A zippia user wrote a review on Aug 2021

Cons

When customers are not satisfied even when you know you have delivered the best service you could have and have gone beyond the call of duty in delivering same. They appear to not understand the dynamics of the process even if explained to them

How To Become A Claims Representative: What It Is and Career Path - Zippia (21)

A zippia user wrote a review on Aug 2019

Pros

Working from home

How To Become A Claims Representative: What It Is and Career Path - Zippia (22)

A zippia user wrote a review on May 2019

Pros

I'm gratified by forensics, accounting, mistakes, proceedure and changing codes and law.

Cons

That I know I make more money working in many other fields.

Claims Representative FAQs

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Claims Representative jobs by state

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Updated April 25, 2024

How To Become A Claims Representative: What It Is and Career Path - Zippia (23)

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

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How To Become A Claims Representative: What It Is and Career Path - Zippia (2024)
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