Claims Adjuster - Bodily Injury

Job Description

Job Description

Description:

 

The Bodily Injury Claims Adjuster primary focus will be to provide service to our customers through initiative communication, verification of coverage, establishing liability through investigation, evaluation of all damages and payment of only what is owed to protect the interests of the customer as provided within their assigned auto policy.

The Bodily Injury Claims Adjuster must also comply with the Texas Department of Insurance Guidelines and remain in compliance, providing documentation through each step of the claims process.

Position Responsibilities:

• Upon receipt, reviews each claim file to identify and establish a prompt investigation of coverage, liability, and damages.
• Oversee assigned claims in accordance with the policy contract, best internal practices, industry standard, Fair Claim Practices, regulatory guidelines, applicable case law, and jurisdictional requirements.
• Properly documents and manages all aspects of the file during the life of a claim (investigation, correspondence, negotiation, and settlement).
• Effectively negotiates the settlement of claims of varying complexity with little direction and more complex claims under the direction of their supervisor/manager.
• Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability.
• Communicate timely and professionally with insureds, claimants, witnesses, attorneys, and other carriers via telephone and written correspondence to set expectations, explain rationale behind decisions made, and negotiate settlements as appropriate through resolution.
• Works within settlement authority; submits requests to management for authority to negotiate, settle, accept, or deny claims when appropriate.
• Investigates questions on coverage under a reservation of rights and advises the Underwriting Department of adverse findings.
• Ensures that claims payments are issued in a timely and accurate manner.

Requirements:

  Education

• High School Diploma or equivalent required. Bachelor’s degree referred.

Experience 

• Minimum of 2 to 5 years of auto bodily injury claim handling experience
• Texas Adjuster license required.
• Strong technical and administrative background in auto claims handling.
• Ability to work independently on technical and administrative matters in accordance with company policy and procedures.