Insurance Claims Specialist

Total Loss Auto Claims SpecialistAt Zurich North America Claims we acknowledge that work life-balance and flexibility are a priority when it comes to choosing your next career move. Designed with our employees' needs in mind, the ZNA Claims hybrid work model emphasizes flexibility, allowing claims employees to conduct individual work in their preferred location, while facilitating in-person connections and collaborative activities when meaningful and valuable. While the model provides a high level of flexibility and autonomy, occasional circumstances requiring in-office attendance should be expected. The candidate selected for this opportunity should be able to report into one of the following North American Claims offices: Gold River, CA; Addison, Texas; Omaha, NE; Overland Park, Kansas; Atlanta, Georgia; Schaumburg, IL (North America HQ).Responsibilities:Handle total loss auto claims with different levels of complexity.Work closely with teams cross-functionally to determine total loss or repair on vehicles.Manage direct claims assignments and claims that come in from the field.Work to have a timely resolution to claims by developing case strategy; developing a case evaluation; escalating issues as appropriate.Establish timely reserves and perform ongoing review throughout claims cycle within authority limit by estimating and validating value of claims.Assess damages by calculating applicable damages or range of damages allowed by law.Ensure customer service by proactively communicating information; responding to inquiries; following customer protocols and may participating in customer marketing efforts.Ensure legal compliance by following state and federal laws and regulations and internal control requirements.Refer claim to subrogation and fraud teams by identifying potential subrogation and fraud.Basic Qualifications:Bachelor's Degree and 2 or more years of experience in the Claims or Insurance area OR Zurich Certified Insurance Apprentice including an Associate Degree and 2 or more years of experience in the Claims or Insurance area OR High School Diploma or Equivalent and 4 or more years of experience in the Claims or Insurance area OR Completion of Zurich Claims Training Program and 2 or more years of experience in the Claims or Insurance area AND Must obtain and maintain required adjuster license(s)Microsoft Office experienceKnowledge of insurance regulations, markets and productsPrior experience in auto claims handling, insurance claims, or related customer service field.Understanding of auto insurance policies, coverage, and state regulations.Preferred Qualifications:Background in Auto Total Loss Claim handlingUnderstands claims adjustment process and possesses ability to determine scope/exposure for lossesUnderstands the use of vendors and how litigation strategies are developedUnderstands and applies financial and actuarial/reserving concepts.Familiarity with negotiation strategies and experience in suggesting alternative approachesCustomer service experienceStrong analytical, critical thinking and problem-solving skillsStrong verbal and written communication skillsExperience collaborating across work groupsAbility to develop and maintain strong relationshipsYour pay at Zurich is based on your role, location, skills, and experience. We follow local laws to ensure fair compensation. You may also be eligible for bonuses and merit increases. If your expectations are above the listed range, we still encourage you to apply—your unique background matters to us. The pay range shown is a national average and may vary by location. The proposed salary range for this position is $49,500 - $81,000, with short-term incentive bonus eligibility set at 10%. We offer competitive pay and comprehensive benefits for employees and their families.At Zurich, we value your ideas and experience. We offer growth, inclusion, and a supportive environment—so you can help shape the future of insurance. Zurich North America is a leader in risk management, with over 150 years of expertise and coverage across 25+ industries, including 90% of the Fortune 500®. Join us for a brighter future—for yourself and our customers. Zurich in North America does not discriminate based on race, ethnicity, color, religion, national origin, sex, gender expression, gender identity, genetic information, age, disability, protected veteran status, marital status, sexual orientation, pregnancy or other characteristics protected by applicable law. Equal Opportunity Employer disability/vets. Zurich complies with 18 U.S. Code § 1033.