Commercial Auto - Weekday

Job Summary

Utilizes a broad understanding of claims adjusting to apply skills and knowledge to investigate and determine liability for claims with basic coverage issues and moderate to complex liability issues.

Essential Job Functions

• Performs in-depth investigation and analysis on losses such as multi vehicle losses with comparative negligence.
• Completes investigation by securing recorded statements of the drivers, police report, vehicle photos and estimates, and scene investigations.
• Makes same day contact with customers; explains the claims process to all customers.
• Explains all applicable coverage benefits to the policyholder; confirms facts of loss.
• Determines vehicle location and if drivable; offers vehicle repair and rental service options to customers.
• Collaborates with other claim specialists to facilitate claim resolution for customers.
• Communicates and collaborates with Underwriting to facilitate their evaluation of the policy risk and exposure.
• Escalates complex coverage issues to supervisor. Demonstrates proficient knowledge and application of venue laws for all states handled in the Region.
• Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party.
• Escalates claims with exposures exceeding financial authority to supervisor.
• Communicates liability decision to customers, claimants, claim specialists, and Underwriting.
• Recognizes subrogation potential and makes referrals to Subrogation department when appropriate.
• Investigates and recognizes all potential claim exposures.
• Recognizes and escalates non-auto property damage exposures and resolves auto physical damage claims proactively and accurately.
• Secures estimate of damages timely through appropriate repair channel.
• Writes, reviews, and adjusts auto physical damage estimates for repairable vehicles with minor to moderate damages.
• Issues and authorizes claim payments to customers and repair facilities and explains repair process and estimate to customers.
• Manages rental claims through communication with customers, repair facilities, rental vendors, and claim specialists.
• Proactively manages and mitigates storage costs.
• Collaborates with auto physical damage and total loss specialists to facilitate claim resolution for customers.
• Maintains active diary and resolution plan on open files.
• Handles and documents files in compliance with regulatory requirements.
• Responsible for ensuring professional correspondence is sent to customers including claim status updates.

Physical Actions

• Sits or stands for extended periods of time, up to a full work shift.
• Occasionally reaches overhead and below the knees, including bending, twisting, pulling, and stooping.
• Occasionally moves, lifts, carries, and places objects and supplies weighing 0-10 pounds without assistance.
• Listens to, interprets, and differentiates auditory information (e.g. others speaking) at normal speaking levels with or without correction.
• Visually verifies and reads information. Visually locates material, resources and other objects.
• Ability to continuously operate a computer for extended periods of time, up to a full work shift.
• Physical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.

Education Requirements

• High school diploma or equivalent required.
• Bachelor’s degree preferred.

Experience Requirements

• Prior claims adjusting experience preferred.

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