Job Description

PURPOSE OF THE POSITION

The Auto Liability/Physical Damage Adjuster is responsible for handling minor to moderately complex Casualty Commercial Claims (Auto and General Liability). This role involves investigating, assessing, and resolving Casualty claims efficiently.

Auto Liability/Physical Damage Adjuster supports the Auto Claims Operation by providing service pursuant to the policy by managing commercial auto claims and liability lines of insurance written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements. The primary functions include liability investigation, coverage evaluation, claims resolution and negotiation strategies of moderate complexity claims in compliance with established company technical and customer service best Practices. Under limited supervision, works within specific limits and authority to resolve claims with well-defined procedures.

RESPONSIBILITIES

• Investigates the claim or coverage by making timely and appropriate contact with involved or interested parties including but not limited to the insured or employer representatives, claimant, witnesses, and producers.
• Verifies coverage and policy conditions. Reviewed coverage issues as needed with supervisor. Typically utilized standardized language to draft positions if needed.
• Depending on the type of claims, you may interact internally with Subrogation, Managed Care or SIU or externally with police or others to get information.
• Establishes reserves based on estimating outcome of a claim based on the facts for the case and company standards. Adjust reserves based on fact, company standard and experience.
• Effectively settles and negotiates non-litigated claims.
• Builds critical thinking and decision-making skills to gather, assess, analyze, question, verify, interpret, and understand key or root issues.
• Establishes and maintains effective relationships with customers and gains their respect and trust.
• Demonstrates ability to learn technical materials and learns from mistakes in order to achieve best possible outcomes for claimant, customer, and company.
• Writes in a clear, succinct, and fact-based manner in Claims files as well as in other communication.
• Manages time and diary entries effectively and efficiently, prioritizing work in a fast-paced environment.
• Performs other functional duties as assigned.

KNOWLEDGE, SKILLS AND ABILITIES

Candidates Must Have:

• Decisive and purposeful.
• Strong moral character and work ethic.
• Independent and self-starting.
• Strong verbal and written communication skills.
• Ability to thrive in a “fast pace,” challenging environment.
• Ability to show initiative, exhibit a “can do” attitude, and provide ideas while working within a team environment.
• Ability to successfully manage a high-volume case load.
• Ability to effectively negotiate; and use stated adjuster authority efficiently.
• Ability to simplify, analyze and explain complex coverage and legal issues.
• Ability to be able to review processes and determine opportunities for improvement.
• The ability to manage time, meet deadlines and prioritize.

REQUIRED

• Bachelor's degree/or equivalent work experience (with high school diploma).
• Has Commercial Auto Insurance Claims Handling Experience
• 4 years’ related claim experience required.
• Appropriately licensed and/or certified in all states in which claims are being handled.
• Highly Organized and excellent time management skills required.
• Excellent oral, written, and interpersonal communication skills.
• Excellent MS Office, Word, Power Point, and Excel expertise.

The above statements are intended to describe the general nature and level of work being performed by the incumbents of this job. They are not intended to be an exhaustive list of all responsibilities and activities required of this position.

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