You investigate, evaluate, and settle bodily injury claims — typically auto accident or liability cases — gathering medical records, evaluating injuries, negotiating with claimants and attorneys, and being the person who reaches a settlement that holds up.
Most days tend to involve a blend of recorded statements, medical record review, and negotiation work — calling claimants and witnesses, reviewing medical bills and reports, evaluating injury severity and prognosis, and negotiating settlements with claimants or their attorneys. You'll often spend part of the time on the file fabric — documentation, reserves, and claim updates.
The harder part is often the volume of files combined with the negotiation work each one requires — bodily injury claims can run for months, and the documentation burden compounds across a caseload of dozens or more. You'll typically coordinate with attorneys, medical providers, and claimants while staying inside the framework of policy, statute, and case law.
People who tend to thrive here are detail-oriented, comfortable with negotiation, and emotionally durable around injury and accident narratives. The trade-off is the cumulative weight of carrying a caseload of injury files and the negotiation pressure that compounds. If you find satisfaction in resolving claims fairly within real legal and policy constraints, the role can be a steady, respected place to operate in insurance.
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Roles with similar work and overlapping career paths
View all Business Operations roles →You investigate, evaluate, and settle bodily injury claims — typically auto accident or liability cases — gathering medical records, evaluating injuries, negotiating with claimants and attorneys, and being the person who reaches a settlement that holds up.
Median pay for a Bodily Injury Claims Adjuster is about $77K nationally, with the field ranging roughly from $48K to $112K depending on experience, employer, and metro (BLS).
Core skills for this role include Reading Comprehension, Active Listening, Critical Thinking, Speaking, and Judgment and Decision Making.
Most people in this role hold a bachelor's degree.
Employment in this field is projected to decline about 5.1% through 2034, with roughly 305,020 people working in it today (BLS).
Closely related roles include Claims Customer Service Representative (Claims CSR), Claims Analyst, and Claims Processor.
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