Insurance Claims and Policy Processing Clerks
Also called: Agency Service Representative (Agency Service Rep), Auto Claims Rep (Automotive Claims Representative), Auto Liability Claims Rep (Automotive Liability Claims Representative), Billing and Insurance Coordinator, Bodily Injury Claims Representative (Bodily Injury Claims Rep), Cancellation Clerk, Claim Representative (Claims Rep), Claims Adjudicator
Process new insurance policies, modifications to existing policies, and claims forms.
What insurance claims and policy processing clerks do
Typical tasks
- Prepare insurance claim forms or related documents, and review them for completeness.
- Calculate amount of claim.
- Post or attach information to claim file.
- Transmit claims for payment or further investigation.
- Contact insured or other involved persons to obtain missing information.
- Review insurance policy to determine coverage.
- Process and record new insurance policies and claims.
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
- Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
- Correspond with insured or agent to obtain information or to inform them of account status or changes.
- Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
- Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
Typical path into the job (BLS)
Insurance Claims and Policy Processing Clerks salary
The median annual wage for insurance claims and policy processing clerks is $49,230 (BLS OEWS May 2025; BLS Employment Projections 2025–35, national). The lowest 10 percent earn less than $37,560 and the highest 10 percent earn more than $73,590. The mean annual wage is $52,920.
The mean hourly wage of $25.00 is 3.4× the federal minimum wage of $7.25. State minimums are higher in most large states. Minimum wage by state →
How does your pay compare with people your age?
Your numbers are not sent or stored. The comparison uses this occupation's BLS wage percentiles, adjusted for age with BLS median weekly earnings by age group (Q3 2026).
Pay by percentile
Annual wage percentiles from the BLS Occupational Employment and Wage Statistics (OEWS). Percentiles are a good proxy for pay by experience.
Projected pay for Insurance Claims and Policy Processing Clerks (3, 5 and 10 years)est.
Today $49,230 → in 3 years $51,500 → in 5 years $53,100 → in 10 years $57,300 (10-year range $49,300–$66,600). The model assumes pay growth of +1.5% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (BLS projected employment growth), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for Insurance Claims and Policy Processing Clerks
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace Insurance Claims and Policy Processing Clerks? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for Insurance Claims and Policy Processing Clerks
Employment projections are from the BLS Employment Projections program (2025–35). Annual openings include both new jobs and replacement of workers who leave the occupation.
The same job in Japan
| Insurance Claims and Policy Processing Clerks United States | 損害保険事務 Japan | |
|---|---|---|
| Median / average pay | $49,230 | ¥5.25M ≈ $33,395 |
| Pay in 10 years (est.) | $57,300 | ¥5.88M |
| Outlook score | 23 | 36 |
| AI replacement risk | 89% Very high | 82% Very high |
| Workers | 214K | — |
Matched by occupation (SOC code). Yen converted at 157.25 JPY/USD for reference; Japanese figures are averages, U.S. figures are medians, and the surveys define occupations differently.
Skills, education and requirements for Insurance Claims and Policy Processing Clerks
Key skills
O*NET skill level ratings (0–7).
Key knowledge areas
What the work involves
Important abilities
Education of workers
Training before entry
Related work experience
Job Zone 2 — some preparation needed (O*NET)
Difficulty of entry: ★★☆☆☆ Fairly easy (from education, training, experience and Job Zone)
How to become insurance claims and policy processing clerks
A step-by-step guide for this occupation is being prepared. The education, training and experience data above show the typical path.
Career path and how to earn more as insurance claims and policy processing clerks
Career-path guidance is being prepared. Pay by percentile is shown in the Pay section.