Bodily Injury - Auto Claims Adjuster (San Diego)

Bodily Injury - EXAMINER/ADJUSTER *San Diego, CA Residents Only*

ABOUT US

Anchor General Insurance is a growing insurance agency and carrier group built on

strong relationships, teamwork, and a commitment to providing quality service to our customers. We take pride in creating a workplace where employees are valued, supported, and have the opportunity to make a difference.

Our team members play an important role in delivering value to our customers and achieving our goals. We believe in collaboration, accountability, and giving employees the tools and support they need to succeed.

If you are looking for an opportunity with a stable company, a supportive team, and the chance to grow your skills and career, we invite you to explore joining Anchor General.

SUMMARY

Investigate, evaluate, negotiate, and settle auto claims. Determine liability and coverage efficiently and accurately. Resolve claims within the company and Department of Insurance compliance standards and timeframes. Responsible for the protection of company assets and customers’ contractual interests. Communicate professionally and with accurate comprehension of the claims process with all participants involved with the claim.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Empathize and assist those who have been involved in an auto accident.
• Evaluate, negotiate, and settle Bodily Injury claims.
• Evaluate losses utilizing critical thinking and solid judgment to solve problems, make decisions, and resolve complex issues.
• Conduct prompt, thorough, and fair investigations by obtaining relevant facts to determine coverage, origin, and extent of loss.
• Monitor costs to ensure they are reasonable and customary.
• Keep the insured and others informed about the claim status with timely and accurate written/verbal communications to resolve claims efficiently and effectively.
• Confirm or deny coverage of the claim based on the facts and the policy terms and conditions.
• Negotiate the settlement of claims, based on experience, under varying levels of oversight from supervisor and management, according to authority levels and file complexity. Maintain a diary system for file review and document files to reflect the status of work being performed on the file.
• Document and communicate all claims activities timely and effectively, and in a manner that supports the outcome of the claims file.
• Answer phone calls and respond to emails and voicemails in a timely manner.
• Other duties as assigned.

Qualifications

• Exercise sound financial judgment and discretion in handling insurance claims.
• Knowledge of automobile claims: coverage evaluation, claims investigation, loss assessment, evaluation, reserves, insurance regulations, negotiation and settlement.
• Knowledge of investigation management including but not limited to taking and using recorded statements, determining coverage and application of coverage to claims, negotiation, and resolution of claims.
• Knowledge of California specific adjusting including California insurance claims regulatory compliance, relevant case law and California claims legal framework.
• Texas claims knowledge a plus.
• Self-directed individual who works well with minimal supervision.
• Must have strong analytical skills necessary to make decisions, resolve issues inherent in handling claims effectively by dealing with situations at various levels of intensity and reach a resolution.
• Must be able to interpret insurance policies and various contracts, perform analytical research and make sound decisions using good judgment.
• Ability to effectively operate a computer and have working knowledge of MS Office applications.
• Ability to multi-task.
• Ability to adapt quickly in a fast-paced environment and strong attention to detail.
• An effective listener with the ability to manage, analyze, and execute directions.
• Excellent verbal and written communication skills and the ability to interact professionally with a diverse group of co-workers, supervisors, managers, internal customers, external customers, vendors, and other insurance professionals.
• A Texas All Claims Insurance License may be required depending on company forecasts.

Education or Experience

REQUIRED: 2 or more years of experience in evaluating and resolving Bodily Injury demands.

Preferred: College degree.

Required: Able to meet minimum efficiency standards for customary business applications such as Word, Excel, Google Sheets, and Teams.

**Onsite training is required for the first six months of employment. Following successful completion of training, the position may transition to a hybrid schedule of three days onsite and two days remote, based on business needs and performance.

Benefits & Perks

We believe in supporting our employees both at work and at home. Eligible employees enjoy a competitive benefits package, which includes:

• Medical, dental, and vision insurance
• Company-paid life insurance
• 401(k) retirement plan with company match
• Paid time off, paid holidays, and sick leave
• Employee Assistance Program (EAP)
• Health Savings Account (HSA) options
• Opportunities for professional growth and development
• Business casual work environment
• On-site Gym access
• Monthly celebrations, summer & holiday events

Benefits may vary based on position and eligibility.