Out of State/ Liability Adjuster

About the role

The primary purpose of this position is to investigate out-of-state insurance claims within the limits of authority, ensuring accurate and efficient completion of all phases of claims processing from inception to settlement.

Responsibilities

• Investigate out of state insurance claims within limits of authority; responsible for the accurate and efficient completion of all phases of claims processing from inception to settlement.
• Obtain (via telephone or correspondence) loss reports, insured/witness/claimant statements, medical/police reports, appraisals, repair estimates, etc., as required; take photos as indicated.
• Confirm coverage for new claims and set reserves amounts; follow up on necessary information; and record diaries for scheduled review of files; issue payment & correspondence as needed.
• Analyze all accumulated data, reports, photos, etc. and evaluate claims; determine coverage and extent of loss/liability; prepare corresponding claims summaries.
• Settle claim within limits of authority; issue drafts/checks for claim payment and obtain required liability releases; upon settlement, close claims files.
• Confer with Out of State Claims Manager regarding complex claims or when potential exposure exceeds settlement authority.
• Periodically review all open out of state claims files; obtain any necessary information and adjust reserve amounts as needed.
• Make assignments to independent adjusters as necessary; be vigilant in using independent adjusters only for those investigation activities which cannot be done by telephone or by correspondence.

Qualifications

• Education and/or Experience: Bachelor’s degree from four-year college or university; or two to four years related experience and/or training; or equivalent combination of education and experience.
• Employee is expected to participate in continuing education program(s).
• Computer Skills: To perform this job successfully, an individual should have knowledge of computers and computer systems.
• Certificates, Licenses, Registrations: Valid driver’s license or obtainment of valid Oklahoma driver’s license is required. Satisfactory driving record is a condition of employment. Current Oklahoma adjuster license or obtainment of valid Oklahoma adjuster’s license is required.
• Other Skills and Abilities: Must have investigative skills and a proven ability to work with people and solve problems. Ability to manage stress due to high volumes of work, long hours, and dealing with discontented insureds and/or third parties.
• Physical Demands: While performing the duties of this job, the employee is frequently exposed to outside weather conditions. The employee is occasionally exposed to wet and/or humid conditions; moving mechanical parts; high, precarious places; fumes and airborne particles; extreme cold; extreme heat and risk of electrical shock.
• Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.