Auto Claim Owner - Kansas City, KS • Oklahoma City, OK • Caledonia, MI • Phoenix, AZ • St. Louis, MO

About the role

Farmers is an award-winning, equal opportunity employer dedicated to helping others. We offer a supportive community, competitive benefits, and meaningful volunteer projects. Our hybrid work environment allows for flexibility while maintaining a collaborative and innovative culture.

Responsibilities

• Investigate, confirm coverage, determine liability, establish damages, and negotiate settlements of auto claims, including single and multi-vehicle losses with basic coverage and moderate complexity of liability.
• Perform in-depth investigation and analysis on losses such as multi-vehicle losses with comparative negligence.
• Secure recorded statements of the drivers, police reports, vehicle photos, and estimates, and conduct scene investigations.
• Make same-day contact with customers and explain the claims process and applicable coverage benefits.
• Determine vehicle location and if drivable, offer vehicle repair and rental service options, and coordinate auto physical damage estimates.
• Manage rental claims, communicate with customers, repair facilities, rental vendors, and claim specialists, and proactively manage and mitigate storage costs.
• Communicate policy risk issues to Underwriting and escalate complex coverage issues to supervisor.
• Analyze duties owed and breached by all potentially responsible parties and determine liability percentage for each party.
• Escalate claims with exposures exceeding financial authority to supervisor and communicate liability decisions to customers, claimants, claim specialists, and Underwriting.
• Recognize subrogation potential and make referrals to the Subrogation department when appropriate.
• Investigate and recognize all potential claim exposures, including non-auto property damage exposures and resolve auto physical damage claims proactively and accurately.
• Secure estimate of damages timely through appropriate repair channels and write, review, and adjust auto physical damage estimates for repairable vehicles with minor to moderate damages.
• Issue and authorize claim payments to customers and repair facilities and explain the repair process and estimate to customers.
• Manage rental claims through communication with customers, repair facilities, rental vendors, and claim specialists.
• Handle and document files in compliance with regulatory requirements and maintain an active diary and resolution plan on open files.
• Act as an informal resource for colleagues with less experience.

Requirements

• High school diploma or equivalent required.
• Bachelor's degree preferred.
• An active All Lines Adjuster license is required, or the ability to obtain licensure.
• Experience with claims auto handling or related industry experience is highly encouraged.

Qualifications

• Demonstrated customer service skills.
• Effective conflict management skills.
• Identifies key issues and patterns from partial/conflicting data.
• Strong verbal and written communication skills.
• Excellent judgment and decision-making skills.
• Effective negotiation skills.
• Flexible to work in a fast-paced, dynamic environment.
• Uses discretion to modify work practices and processes to achieve results or improve efficiency.
• Demonstrated problem-solving skills.
• Takes a broad perspective on problems and spots new, less obvious solutions.
• Possesses strong technical aptitude; proficient in Microsoft Office products.
• Adaptable and flexible to new technology.

Skills

• Proficient in Microsoft Office products.
• Adaptable and flexible to new technology.

Benefits

• Competitive salary commensurate with experience, qualifications, and location.
• Bonus Opportunity (based on Company and Individual Performance).
• 401(k).
• Medical.
• Dental.
• Vision.
• Health Savings and Flexible Spending Accounts.
• Life Insurance.
• Paid Time Off.
• Paid Parental Leave.
• Tuition Assistance.

Pay

The starting wage for this position is $26.01 per hour, plus eligibility for an annual bonus. Pay is dependent upon the candidate's geographic location and relevant claims experience.

Schedule

Department Hours of Operation: 7:00 am - 7:00 pm, Monday - Friday.

Job Location(s)

• US - KS - Kansas City
• US - AZ - Phoenix
• US - MI - Caledonia
• US - MI - Grand Rapids
• US - MO - Kansas City
• US - MO - St Louis
• US - OK - Oklahoma City