Summary:
The Auto Claims Adjuster I is responsible for the end-to-end management of personal auto claims with a focus on analytical evaluation, strategic negotiation, and resolution. Operating with a high degree of autonomy and discretion, this role supports the company’s claims operations by applying specialized knowledge and judgment to complex claim scenarios.
Duties:
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Claims Evaluation and Resolution (60%)
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Independently investigates, evaluates, and resolves personal auto claims, including those involving disputed liability and multi-vehicle accidents.
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Exercises discretion in determining claim strategy, settlement authority, and negotiation approach.
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Analyzes coverage, liability, and damages to develop resolution plans aligned with company policies and legal standards.
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Negotiates subrogation recoveries with other carriers and third parties.
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Establishes and adjusts reserves and authorizes payments within designated authority.
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Coordinates with internal and external stakeholders to ensure timely and accurate claim resolution.
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Strategic Communication and Documentation (25%)
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Communicates complex claim decisions and strategies to policyholders, agents, and other involved parties in a clear and professional manner.
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Maintains detailed and accurate documentation of claim activities, including investigative findings, evaluations, recommendations, and resolutions.
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Prepares reports and summaries for management review and contributes to process improvement initiatives.
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Customer Experience and Relationship Management (15%)
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Provides high-level customer service by managing expectations, resolving escalations, and ensuring a positive claims experience.
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Serves as a resource for agents and policyholders, offering guidance on claims processes and coverage interpretation.
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Promotes a service-oriented culture and supports departmental goals through collaboration and knowledge sharing.
Qualifications:
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Bachelor’s degree or equivalent experience in insurance, business, or a related field required.
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Prior experience in auto claims adjusting preferred.
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An equivalent combination of education and job-related experience will be considered
