Total Loss Adjuster

About the role

This entry‑level position supports the Auto Claims Operation by handling claims of material damage, property, and liability lines of insurance written by the Interinsurance Exchange. The role involves investigation, evaluation, and negotiation of lower‑complexity claims in compliance with regulatory and statutory requirements, under moderate supervision and within specific limits of authority.

Responsibilities

• Communicate and interact with insureds, claimants, and other individuals, explaining benefits, coverages, fault, and the claims process verbally or in writing.
• Conduct phone and/or field investigations to determine liability and damages; obtain statements from insureds, claimants, and witnesses.
• Evaluate and determine claim values based on property, medical, and liability data.
• Negotiate settlements within authority with insureds and claimants to resolve first‑ and third‑party claims.
• Handle administrative functions, update database production reports, and maintain claim files using company systems (e.g., CACS, HUON, HOC).
• Verify and interpret coverage, gathering necessary information to ensure policy applicability.
• Coordinate with internal and external departments as required.
• Identify cross‑sell opportunities based on members’ product needs and service requests; provide sales leads to insurance, travel, and other departments.
• Provide independent analysis to differentiate between allegations and facts.
• Determine policy obligations by assessing liability and damage components of losses.
• Independently resolve claim exposures within the level of authority.
• Respond promptly to customer needs and problems.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience.
• Less than 1 year of experience; no prior claims experience required.
• Moderate computer literacy.
• General understanding of negligence concepts.
• Advanced organization, planning, and recognition skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.

Travel Requirements

Occasional travel to off‑site business meetings or conferences (approximately 5% of time).

Benefits

• Health coverage for medical, dental, and vision.
• 401(k) savings plan with company match.
• Pension plan.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts (membership, insurance, travel, entertainment, services, and more).