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Coverage & LiabilityAuto Claim Adjuster

Company: SAM State Automobile Mutual Insurance Company
Location: Columbus
Posted on: June 25, 2022

Job Description:

It's fun to work in a company where people truly BELIEVE in what they're doing!We're committed to bringing passion and customer focus to the business.Summary & Key ResponsibilitiesHandles low to mid-range complexity claims as defined by the CARE department processes and procedures. Handling will consist of a direct investigation of the facts of loss, evaluation of coverages, damages, liability, and negotiation of claims to a proper conclusion. May be involved with litigated files for experience and developmental purposes.Key Responsibilities: Determines policy status and coverage; reviews appropriate policies and endorsements for coverage, limits, and deductibles; immediately notify manager of any claim that may be outside of assigned scope of handling, level, or authority.Makes prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss to set expectations, develop an action plan, and perform an initial exposure assessment.Conducts an investigation to determine coverage, liability, and damages, including recorded statements and coordination of field inspections or experts when necessary based on Department Best Practices.Ensures regular and timely follow-up and brings claims to prompt and appropriate conclusion while keeping the customer informed throughout the life cycle of the claim process.Maintains electronic records that accurately and thoroughly document all file handling activity.Overnight travel may be required.Reasonable and predictable attendance required.May be called upon to perform additional duties as directed.Coverage and Liability:2+ years of auto claims handling or insurance-related customer service experience preferred.Determines policy status and coverage; reviews appropriate policies, endorsements, exclusions, limits, and deductibles.Makes prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss to set expectations, take statements, develop an action plan, and perform an initial exposure assessment.Conducts liability investigations and applies negligence based on individual state laws. Investigations may include review of the police report, recorded statements from all drivers, passengers and witnesses as well as scene investigations.Coordinates inspections and communicates coverage and liability decisions with the Auto Damages Team.Opens exposures, sets reserves and makes payments.Ensures regular and timely follow-up to ensure the claim is brought to a prompt resolution while keeping the customer informed throughout the life cycle of the claim process.Maintains electronic records that accurately and thoroughly document all file handling activity.Identifies, negotiates and approves any early settlement opportunities for third party bodily injury.Identifies and refers SIU eligible claims based on department criteria.Directs the handling of lawsuits involving coverage and liability decisions.Minimum Experience/Education: Entry level to three years of professional experience. Previous experience within the insurance or financial services industries is preferred.Post-secondary education preferred.Current adjuster licensure or the ability to obtain within 3 months of hire.Basic computer skills and Microsoft and Google applications preferred.Communication and Collaboration Skills:Professional oral and written communication skills are critical to the success of this position. All claims service must be handled with tact, diplomacy and courtesy at all times. Must be able to collaborate and develop strong team relationships with associates from within and outside the Claims Department.Customer centric with exceptional customer service skills.Technical Knowledge:Must have comprehensive knowledge and understanding of insurance policies and endorsements, as well as the ability to understand complex documents, contracts, and other legal documents.Problem Solving:Gather facts and draw conclusions, interpret complex requirements/issues and work independently. The individual must be able to identify and implement key opportunities while researching potential solutions.State Auto offers a competitive salary, an annual bonus program, an excellent benefits program including medical, dental, vision and prescription insurance coverage, life insurance, matching 401(k) plan, flexible spending accounts, tuition assistance, and a stock purchase plan.State Auto is committed to the principle of equal employment opportunity for all associates and applicants and to providing associates with a work environment that is free from discrimination and harassment. All employment decisions (hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, training and work assignments) are based on business needs, job requirements and individual qualifications without regard to race, color, religion, gender, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, citizenship status, military status, or status as a covered veteran in accordance with applicable federal, state and local laws. State Auto will not tolerate discrimination or harassment based on any of these characteristics.State Auto is a smoke-free work environment. We utilize background checks as conditions of employment. For all exempt positions we also obtain motor vehicle reports (MVR s).State Auto will not accept candidates from third-party recruiters without a signed agreement with State Auto.Full Time / Part TimeFull timeWorker Sub-TypeRegularIf you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Keywords: SAM State Automobile Mutual Insurance Company, Columbus , Coverage & LiabilityAuto Claim Adjuster, Other , Columbus, Ohio

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