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Insurance Claims Representative Jobs (NOW HIRING)

Mercury Insurance Services, LLC

Claims Representative

CA · On-site

$32K - $56K/yr

... Mercury Insurance Claims team could be the place for you! We offer dynamic and challenging ... The Claims Representative will handle a high volume of calls and make regular contact with ...

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Insurance Claims Representative information

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$40

How much do insurance claims representative jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for insurance claims representative in the United States is $24.56, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $28.85 per hour, depending on experience, location, and employer.

What is an insurance claims representative?

An insurance claims representative is a professional who investigates and evaluates insurance claims to determine coverage and settlement amounts. They review policy details, gather evidence, and communicate with claimants, often using claims management software, to ensure accurate and fair claim processing.

What does an Insurance Claims Representative do?

An Insurance Claims Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of each claim, determine the extent of the insurance company's liability, and help ensure that claims are processed accurately and efficiently. They may gather information from claimants, witnesses, and other parties, review documentation, and communicate decisions to customers. Their goal is to provide fair settlements while adhering to company policies and legal guidelines.

What are the key skills and qualifications needed to thrive as an Insurance Claims Representative, and why are they important?

To thrive as an Insurance Claims Representative, you need a solid understanding of insurance policies, claims processes, and investigative techniques, typically supported by a high school diploma or associate degree. Familiarity with claims management software, CRM systems, and occasionally industry certifications such as AIC (Associate in Claims) are commonly required. Strong customer service, analytical thinking, and effective communication skills help you manage claims efficiently and support clients during stressful situations. These abilities are vital for ensuring accurate claims resolution, maintaining customer satisfaction, and upholding the company's reputation.

What claims adjuster makes the most money?

Senior claims adjusters, especially those specializing in complex or high-value claims such as commercial or large-loss claims, tend to earn the highest salaries in the field. Adjusters with extensive experience, specialized certifications, and strong negotiation skills typically command higher pay. Geographic location and employer size can also influence earnings for claims adjusters.

What Does an Insurance Claims Representative Do?

An insurance claims representative assesses customer insurance claims. Your duties in this career include visiting accident sites and interviewing witnesses or customers to determine the scope of the claim. You also determine whether or not it is worth negotiating a settlement, and if so, you ensure all settlement claims are handled quickly. In addition to assessing accidents and claims, you update customer policies depending on their history. Qualifications for the career include experience and job skills. You should have excellent customer service, a firm knowledge of all company policies, and computer literacy.

How to get a job as a claims adjuster with no experience?

To become a claims adjuster with no experience, focus on obtaining relevant certifications such as the Property and Casualty (P&C) license and develop strong communication and analytical skills. Entry-level positions often require a high school diploma or equivalent, and some companies offer training programs for new hires to gain industry knowledge on the job.

What are some common challenges Insurance Claims Representatives face when handling complex claims?

Insurance Claims Representatives often encounter challenges such as managing high caseloads, interpreting intricate policy details, and handling sensitive conversations with policyholders during stressful situations. They must balance empathy with adherence to company policies and regulations, all while investigating and verifying the validity of claims. Effective communication, time management, and problem-solving skills are essential to navigate these complexities and deliver fair outcomes for both the client and the insurer.

Is claim adjusting a dying field?

Claim adjusting is a stable profession within insurance, requiring strong analytical skills and knowledge of insurance policies. While automation and digital tools are changing some processes, human adjusters remain essential for complex claims and customer interactions, ensuring the field continues to offer employment opportunities.

What is the difference between Insurance Claims Representative vs Insurance Adjuster?

AspectInsurance Claims RepresentativeInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may require licensingLicensing often required; certifications like AIC or CPCU beneficial
Work EnvironmentOffice settings, customer service interactions, claims processingFieldwork, site inspections, or office-based assessments
Employer & Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search & ComparisonOften compared for claims handling rolesMore focused on damage assessment and investigation

The main difference between an Insurance Claims Representative and an Insurance Adjuster lies in their roles. Claims Representatives primarily handle customer interactions and process claims within an office environment, while Adjusters often conduct field inspections and assess damages. Both roles require relevant licensing and are integral to the insurance industry, but they focus on different aspects of claims management.

More about Insurance Claims Representative jobs
What cities are hiring for Insurance Claims Representative jobs? Cities with the most Insurance Claims Representative job openings:
Who are the top companies hiring for Insurance Claims Representative jobs? The top employers for Insurance Claims Representative jobs are:
What states have the most Insurance Claims Representative jobs? States with the most job openings for Insurance Claims Representative jobs include:
What job categories do people searching Insurance Claims Representative jobs look for? The top searched job categories for Insurance Claims Representative jobs are:
What are popular job titles related to Insurance Claims Representative jobs? For Insurance Claims Representative jobs, the most frequently searched job titles are:
Insurance Claims Representative jobs near you
Infographic showing various Insurance Claims Representative job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $51,091 per year, or $24.6 per hour.
In-House Auto Claims Representative

In-House Auto Claims Representative

Mountain West Farm Bureau Insurance Company

Laramie, WY • On-site

$4.0K - $4.3K/mo

Full-time

Retirement, PTO

Posted 21 days ago

Job description

Mountain West Farm Bureau is seeking a full-time In-House Auto Claims Representative to join our team to undergo comprehensive training and mentorship to develop the skills and knowledge necessary to handle auto insurance claims including investigating, analyzing, and settling claims by determining the extent of personal or property loss/damages. The In-House Auto Claims Representative serves as an internal liaison between policyholders, internal departments, and external stakeholders to process and resolve auto claims accurately. This full-time position is located at our home office in Laramie, WY and typically works 40 hours per week. You can expect a competitive wage of $4,016 - $4,384 per month depending on experience.

SKILLS OF OUR IDEAL IN-HOUSE AUTO CLAIMS REPRESENTATIVE:

  • Great Communicator - effectively reads, writes, and speaks the English language
  • Ethical - uses knowledge, skills, and abilities to maintain high levels of personal and professional integrity, and to act as an ethical agent who promotes core values throughout the organization
  • Technical Capacity – special and practical knowledge in business service areas
  • Active Learner – understands the implications of new information for problem-solving and decision-making
  • Active Listener - gives full attention to what other people are saying, and makes sure to understand the points being made
  • Analytical Thinking – ability to analyze information and use logic to address issues and problems
  • Conflict Management – ability to mediate conflicts between individuals and groups and settle disputes equitably
  • Critical Thinking – use logic and reasoning to identify the strengths and weaknesses of alternative solutions problems
  • Customer Service – knowledge of principles and processes for providing customer service
  • Independent Judgement – follow established procedures to guide oneself with little or no supervision to complete tasks
  • Problem Solving – ability to identify and resolve problems in a timely manner, develop alternative solutions and use reason even when dealing with emotional topics

If these ideal In-House Auto Claims Representative traits describe you, please continue reading!

In addition to excellent pay and our positive company culture, we offer our In-House Auto Clams Representatives the following benefits and perks:

  • 401K contribution match
  • 7 paid holidays including Black Friday
  • Generous paid time off (PTO), including volunteer time off
  • On-site fitness center

ABOUT MOUNTAIN WEST

Founded in 1948 to provide Wyoming Farm Bureau members with insurance. Over the years we have grown into a multi-line insurance company, serving the needs of individuals, families and businesses throughout Wyoming and Montana.

What we value:

  • Our Stewardship: We take to heart our responsibility to provide protection of what our clients’ value.
  • Our Relationships: We keep the promises we make. Integrity, professionalism, respect and personal accountability is ingrained in our company fabric.
  • Our Action: We take pride in our work. We challenge ourselves to personal growth, to be proactive and continually improve on the delivery of our products and services.

Here at Mountain West, our employees are our greatest asset. Our fantastic team of employees is what allows us to continue to do what we love: making a difference for our insured, and our community. If you are looking to join a team that values you at the highest level and offers opportunities to grow with our career paths, consider joining our team

REQUIREMENTS FOR AN IN-HOUSE AUTO CLAIMS REPRESENTATIVE

In this full-time position, you will operate in a professional office environment. This role requires extended periods of walking, sitting, bending, and climbing and carrying ladders. Additionally, performing this job requires extensive work with computers, mobile devices, and other productivity tools. The following are required to assist in the duties performed by a Claims Field Representative:

  • Minimum Requirements:
    • High school degree or GED.
    • Prior experience in insurance, customer service, or a related field.
    • Knowledge of Microsoft Office Suite or similar software.
    • Ability to obtain a state adjuster’s license.
    • Valid driver's license and willingness to travel to claim sites as required.
    • Ability to work independently with minimum supervision.
    • General experience with sales, repairs, or services of automobiles, powersports or trailers.

  • Preferred Requirements:

    • Bachelor’s degree or equivalent work experience.
    • Knowledge of insurance policies, terms, and coverage types.
    • Background and work experience in auto, powersport and trailer repair, sales, or valuation related fields.
    • Certifications in mechanical and body repair (I-Car, ASE, etc.).
    • Basic investigation, evaluation, and negotiation skills.

Do you have a passion for helping customers and ready to build relationships helping people? If yes, give us the chance to review your information.

So, now that you've learned the who, what, where, and why, you may be wondering HOW? It's easy! Just fill out our initial mobile-friendly online application. We hope to meet you soon!

If you are excited about this full-time opportunity, don't delay. Apply today!

**Prior to being hired the successful applicant must pass a drug and alcohol screening, undergo a background check and have a clear Motor Vehicle Report (MVR).**

Applications must be submitted through company website: https://mwfbic.com/careers/
NOTICE TO APPLICANT: Federal and state law requires that all applications be considered without regard to race, color, creed, ancestry, religion, sex, age, sexual orientation, national origin, disability, veteran status, genetic information or any grounds prohibited by applicable federal, state, or local law. We believe in and fully support the principle of equal employment opportunity and will fulfill our obligation to the fullest.

Please read and understand the following: The information provided by me in this application for employment is true, correct, and complete. False, incomplete, omitted, or misrepresented information of any kind will be sufficient cause for my application to be rejected or, if discovered after I am employed, cause for immediate termination of my employment.

I authorize Mountain West Farm Bureau Insurance to contact and obtain information about me from my previous employers, education institutions, and references I provided (unless designated with a “no”). Mountain West Farm Bureau Insurance is hereby authorized to conduct any investigation of my personal history, including, but not limited to, criminal searches as deemed appropriate, and/or credit and financial records employing investigative or credit agencies or bureaus of Mountain West Farm Bureau Insurance's choice subject to the provisions of the Fair Credit Reporting Act.

I understand and agree that I will be given an initial drug and alcohol test prior to my employment, and that for cause and random drug and alcohol tests may be requested during my employment.

If employed by Mountain West Farm Bureau Insurance, I agree to abide by its rules and regulations. I understand that if I am employed by Mountain West Farm Bureau Insurance, my position is considered at will, which means I may be terminated at any time with or without cause.

By submitting my application, I indicate my full understanding and acceptance of all terms and conditions in the above statement. This application expires in one (1) year.