Auto Liability Claims Adjuster

About the role

We're looking for an Auto Liability Claims Adjuster to join Bear River Mutual Insurance. As an Auto Liability Claims Adjuster, you'll manage Personal Lines Auto claims through the full claim lifecycle, including investigation, coverage analysis, liability evaluation, damage assessment, negotiation, and resolution. You'll play an important role in helping policyholders, claimants, attorneys, witnesses, and other claim participants navigate the claims process with professionalism, clarity, and sound judgment.

Responsibilities

• Analyze coverage, determine liability, and evaluate damages on Personal Lines Auto claims.
• Conduct thorough investigations using applicable insurance principles, statutory requirements, case law, and jurisdictional considerations.
• Evaluate claim exposures and develop appropriate strategies for fair and cost-effective resolution.
• Communicate clearly and professionally with insureds, claimants, witnesses, attorneys, and other claim participants by phone, email, text, and regular mail.
• Actively listen to those involved in an accident, ask thoughtful questions, and obtain recorded statements when appropriate.
• Conduct resourceful and thorough investigations to assess accident liability and determine whether coverage applies.
• Document all pertinent file activity with clear, meaningful, and defensible claim notes.
• Ask challenging questions and handle difficult conversations with confidence, professionalism, and sound judgment.
• Manage a complex caseload while balancing organization, prioritization, timeliness, and quality.
• Work closely with cross-functional departments, including Total Loss, Appraisal, Bodily Injury, and Subrogation, to support seamless and high-quality claims handling.
• Demonstrate adaptability, accountability, and professionalism while contributing positively to a team environment.

Qualifications

• A high school diploma or GED.
• Two or more years of experience handling auto claims.
• Strong analytical, evaluative, and interpretive skills.
• Excellent written and verbal communication abilities.
• Strong organizational, prioritization, and time management skills.
• Computer proficiency and ability to learn new applications.
• Must possess or be able to obtain applicable adjuster licenses.