Claims Representative I - Auto

Claims Representative I - Auto NM Honolulu, HI, US Salary Range: $45,000.00 To $60,000.00 Annually Summary: The Auto Claims Adjuster I is responsible for the end-to-end management of personal auto claims with a focus on analytical evaluation, strategic negotiation, and resolution. Operating with a high degree of autonomy and discretion, this role supports the company’s claims operations by applying specialized knowledge and judgment to complex claim scenarios. Duties: Claims Evaluation and Resolution (60%) Independently investigates, evaluates, and resolves personal auto claims, including those involving disputed liability and multi-vehicle accidents. Exercises discretion in determining claim strategy, settlement authority, and negotiation approach. Analyzes coverage, liability, and damages to develop resolution plans aligned with company policies and legal standards. Negotiates subrogation recoveries with other carriers and third parties. Establishes and adjusts reserves and authorizes payments within designated authority. Coordinates with internal and external stakeholders to ensure timely and accurate claim resolution. Strategic Communication and Documentation (25%) Communicates complex claim decisions and strategies to policyholders, agents, and other involved parties in a clear and professional manner. Maintains detailed and accurate documentation of claim activities, including investigative findings, evaluations, recommendations, and resolutions. Prepares reports and summaries for management review and contributes to process improvement initiatives. Customer Experience and Relationship Management (15%) Provides high-level customer service by managing expectations, resolving escalations, and ensuring a positive claims experience. Serves as a resource for agents and policyholders, offering guidance on claims processes and coverage interpretation. Promotes a service-oriented culture and supports departmental goals through collaboration and knowledge sharing. Qualifications: Bachelor’s degree or equivalent experience in insurance, business, or a related field required. Prior experience in auto claims adjusting preferred. An equivalent combination of education and job-related experience will be considered. #J-18808-Ljbffr Island Insurance Company, Ltd.