Will AI replace claims adjusters?

Part of the work, not the whole job. AI could take on about 49% of the working time in a typical claims adjuster job today. The other 51% still needs a person.

51% of the work still needs a person.

Needs a person: 51%A person checking AI: 21%AI alone: 28%

The bracket under the bar is the evidence range for the share AI could take on: 40 to 49%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry.

27 responsibilities in a typical claims adjuster job. Median pay $78,000 a year in the U.S. (BLS, May 2025).

Still needs a person

  • Investigate, evaluate, and settle claims
  • Resolve complex, high-exposure claims
  • Interview parties to decide a claim AI helps
  • Review other adjusters' claims AI helps
  • Check coverage against claim forms AI helps
  • Correct errors and flag questionable claims AI helps

AI can do or help with

  • Report findings and recommendations AI helps
  • Verify claim data against procedures AI helps
  • Check coverage against claim forms AI helps
  • Review records to judge liability AI helps
  • Interview parties to decide a claim AI helps
  • Maintain and organize claim files AI can do it

The biggest responsibilities on each side, ranked by a person's time on the left. "AI helps" means AI takes on part of the work, or most of it with a person checking what it produces, so one can show on both sides. See all 27, with the reason for each and the cost of handing them to AI.

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Questions people ask

Will AI replace claims adjusters?

Part of the work, not the whole job. AI could take on about 49% of the working time in a typical claims adjuster job today. The other 51% still needs a person. That is a split of the work, not a forecast of jobs lost.

Which parts of the job can AI do?

The biggest ones AI can do or help with: report findings and recommendations, verify claim data against procedures, check coverage against claim forms, review records to judge liability, interview parties to decide a claim, maintain and organize claim files.

Which parts still need a person?

The biggest ones: investigate, evaluate, and settle claims, resolve complex, high-exposure claims, interview parties to decide a claim, review other adjusters' claims, check coverage against claim forms, correct errors and flag questionable claims.

How is this measured?

The U.S. Department of Labor lists 29 responsibilities for this job (O*NET 31.0), and the split covers the 27 people in it do today. Each is scored on 4 questions: can AI do it, does it get it right, must a person sign for it, and do people need to deal with a real person. The split is weighted by how much of the job each responsibility takes up. The evidence range for the share AI could take on is 40 to 49%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry. Scores version 0.7.17, updated October 28, 2026.

Responsibilities from O*NET 31.0 (U.S. Department of Labor). Pay from the Bureau of Labor Statistics, May 2025. Scores are calibrated to published research and updated every month. How it works.

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