The Koyal Training Group - Insurance investigators research
and verify claims to make sure no fraud or cheating is involved. They search
records and databases, conduct personal interviews and inspect damaged
vehicles, property and buildings. They also write reports of their findings and
cooperate with other investigators and law enforcement professionals. Although
investigator jobs often require only a high school diploma, many hiring managers
prefer candidates with relevant work experience or education. Some
investigators must be licensed.
High School
Insurance companies usually require a high school
education or the equivalent for insurance investigator jobs, according to the
U.S. Bureau of Labor Statistics. Take speech classes or join the debate club in
high school to develop the interviewing skills you will need as a future
investigator. Take courses in English and writing to prepare for the
report-writing component of an investigator's career.
College
Training
Some insurance companies prefer to hire investigators with
college degrees, although no degree is mandatory. The desired degree varies
with the type of claims work. For example, an engineering degree is useful for
investigating claims in factories, while an accounting degree equips you to
investigate business fraud. A bachelor's degree in criminal justice is another
path to the job of insurance investigator. A criminal justice program provides
a legal background plus the necessary skills in research, investigation and
critical thinking.
Experience
and On-the-Job Training
Insurance companies often give hiring preference to
applicants with relevant work experience, as police officers or private
investigators, for example. Previous experience as an insurance claims adjuster
or a firefighter can also help you get an investigator position. These jobs
develop the interviewing and research skills needed for investigating claims
for possible fraud. Insurance companies also provide on-the-job training for
new insurance investigators. New hires usually begin work on simple cases under
an experienced investigator before moving on to more difficult assignments.
Licensing
Licensing requirements for investigators vary from state to
state. In some states, an investigator working as an insurance company employee
doesn't need a license. However, private investigators doing insurance company
work as private contractors normally need licenses. In some states, the only
requirements for a license are passing an ethics test and paying a fee. Other
states require completion of an educational program or an examination on
insurance investigating. Some states also require continuing education. In most
states, you must pass a background check and be free of felony convictions.
Certification
Insurance fraud investigators can qualify for optional certification
as Certified Fraud Investigator through the International Association of
Special Investigation Units. To become certified, you need a minimum of a
bachelor's degree plus relevant work experience. You also must agree to a code
of ethics and pass an examination. Continuing education units are required to
maintain your certification.
About the
Author
Karen Farnen has been writing online since 2009. She has
taught piano and English as a second language. Farnen has a Bachelor of Arts in
French with music minor from the University of Pittsburgh and a Master of
Science in education and a Master of Arts in French from California State
University-Fullerton.
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