Commercial Auto - Weekday

Job Summary

Applies fully proficient knowledge and skills to proactively investigate, confirm coverage, determine liability, establish damages, and negotiate settlements of auto physical damage claims. This could include single and multi-vehicle losses with basic coverage and moderate to complex liability issues requiring in depth investigation and analytical skills.

Essential Job Functions

• 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.
• 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.
• Coordinates auto physical damage estimate through proper internal method of inspection and arranges for release of vehicles that are accruing storage fees.
• Proactively investigates and determines coverage for Auto policy claims with coverage issues requiring in-depth investigation including but not limited to if the policy out of force for the date of loss, unlisted or permissive drivers, excluded drivers, vehicle not on the policy, rideshare involvement, material misrepresentation issues, and new business investigations.
• Maintains ownership of the claim and completes work with a limited degree of supervision.
• Serves as the primary point of contact through resolution of all exposures.
• Communicates and collaborates with other claim specialists to facilitate claim resolution for customers.
• Provides verbal and written communication to customers to explain coverage issues and decisions.
• Communicates policy risk issues to 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.
• With limited supervision and support, 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.
• Coordinates and 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.
• Completes work with a limited degree of supervision.
• May act as an informal resource for colleagues with less experience.

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.
• hysical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.

Physical Environment

• This role, whether performed virtually or in an office setting, will include normal and customary distractions, noise, and interruptions.

Education Requirements

• High school diploma or equivalent required.
• Bachelor’s degree preferred.
• Insurance Adjusters License in states where applicable, required.

Experience Requirements

• Prior claims adjusting experience preferred.