Total Loss Adjuster

Primary Purpose

Obtains all necessary information to evaluate auto total loss claims and expedite settlement.

Essential Duties and Responsibilities

• Confirm coverage for claims. Responsible for the accurate and efficient completion of all phases of an auto total loss claim; process from inception to settlement.
• Investigate personally and/or in conjunction with Specialist/Manager on major losses and complex claims.
• Obtain (via telephone, correspondence, or personal visit) appraisals, repair estimates, total loss evaluations form, market comparable, photos, NADA, etc., as required.
• Analyze all accumulated data, reports, photos, etc. and evaluate total loss claims; determine coverage and extent of loss; prepare corresponding claims summaries.
• Settle auto total loss claims within limits of authority; issue checks/ACH for claim payment, if required, obtain liability releases upon settlement, and close claim files.
• Responsible for completion of tag tax and title, approving and extending rental vehicle usage; reporting vehicles to the insurance pool, posting salvage proceeds, and completing salvage transmittals.
• Confer with the District Claims Manager regarding complex claims or when potential exposure exceeds settlement authority.
• Periodically review all open claims files assigned to adjuster, obtain any necessary information, and adjust reserve amounts as needed.
• Travel to county offices as needed. Travel as necessary with storm teams to assist with catastrophe losses as required.
• Confirm coverage for claims and set reserves amounts; follow up on necessary information; and record diaries for schedules review of files; issue payment & correspondence as needed.

Competencies

• Analyze complex or diverse information; Collects and researches data; Uses facts and experience to complement data.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
• Interpersonal Skills - Maintains confidentiality; Keeps emotions under control.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
• Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
• Business Acumen - Understands business implications of decisions; Displays orientation to profitability.
• Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Organizational Support - Follows policies and procedures; Supports organization's goals and values.
• Judgement - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Accepts responsibility for own actions.
• Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Monitors own work to ensure quality.
• Quantity - Meets productivity standards; Completes work in timely manner; Works quickly.
• Safety and Security - Observes safety and security procedures.
• Adaptability - Adapts to changes in the work environment; Able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
• Dependability - Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.

Qualifications

• Education and/or Experience: Bachelor's degree from a four-year college or university; or two to four years related experience and/or training; or equivalent combination of education and experience.
• The worker is expected to participate in continuing education program(s) such as participation in the AIC or INS courses through home study and sitting for the national exams.