Casualty Adjuster- Auto Insurance

Job Description

Job Description

Description:

American Freedom Insurance Company (AFIC) is a leader in the nonstandard automobile insurance industry. We are an expanding midsized, highly profitable company doing business in Illinois, Indiana, Pennsylvania, Tennessee, Texas, and with a license in Ohio. We are looking for a committed experienced candidate to contribute their skills in a fast paced and growing organization. AFIC is a financially strong "A+" (Superior) AM Best and "A+" Better Business Bureau rated non-standard automobile insurer.

Responsibilities

• Take full ownership of a diverse caseload of third-party automobile injury claims, proactively investigating, evaluating, negotiating, and resolving claims at all stages, including unrepresented, represented, early litigation, and time-sensitive policy limit demand cases.
• Able to easily comprehend and apply policy language provisions, conditions and exclusions, incorporating knowledge of applicable state laws, judicial decisions and regulations
• Responsible for an inventory of casualty claim files
• Identify high-risk matters, maintain appropriate follow-up, and take timely action to mitigate unnecessary claim exposure, including legal, financial, and extra-contractual risk
• Draft coverage position letters, denials or correspondence as needed
• Manage claims to achieve fair and efficient timely resolutions while minimizing indemnity, defense, and claim expenses through effective investigation, evaluation, and negotiation
• Able to work across teams in the claim department to collaborate and mentor personnel on coverage and liability concepts, driving accurate and timely decisions and settlement amounts
• Identify process improvements to optimize business outcomes and increase efficiency
• Assist in responding to attorney, regulatory, produce, vendor, and consumer inquiries

• Minimum 5 years auto insurance casualty claim experience
• Bachelor’s degree preferred
• Spanish Speaking a plus
• Advanced knowledge and proven success in the resolution of complex, severe-injury claims
• Non-standard auto insurance experience preferred but not required - Tennessee experience a plus
• Proficient and effective negotiation skills on complex claims
• Attention to detail producing high quality work product
• Able to critically think and offer practical solutions
• Strong coverage and liability analysis skills
• Knowledge of state laws and regulations relative to claim practices
• Ability to solve problems and find solutions expeditiously
• Understand concepts of court processes
• Ability and willingness to present interesting coverage and/or liability cases to management and other adjusters in the Casualty team
• Excellent oral and written communication skills
• Proficiency with technology, primarily Microsoft Office – Word and Excel

Benefits: AFIC offers a competitive salary and a comprehensive benefits package to support you

• Competitive Salary: Rewarding your expertise and experience
• Financial Security: 401K with up to a 6% company match
• Health & Wellness: Choice of Blue Cross Blue Shield PPO, HMO, or HSA plans, Dental and vision coverage, Access to telemedicine services
• Growth/Stability: Over 12 consecutive years of profitable growth, confirmed by A+ Superior rating by A.M. Best
• Work-Life Balance: Monday-Friday, 8 am-5 pm CST
• Holidays: At Least 6 Paid Holidays
• Paid Time Off (PTO): PTO that can be used for vacation, personal, or sick time
• Personal Days: Separate personal days for sickness, family needs, appointments or personal matters
• Employee Recognition: We celebrate work milestones to show appreciation for your contributions
• Professional Growth: Paid training, state licensing reimbursement, and opportunities for advancement
• Positive Culture: Enjoy our inclusive holiday events, employee referral bonuses, virtual team meetings, and more