Auto & GL Claim Adjuster

Ccmsi • Chicago, IL

9h • Remote

About The Position

The Auto Claim Adjuster (described in the posting as a Multi-Line Claim Consultant) investigates, evaluates, negotiates, and adjusts assigned commercial auto liability, cargo, and physical damage claims. This full life-cycle claims role operates in a third-party administrator environment and is accountable for delivering high-quality service in accordance with corporate claim standards, applicable laws, and client expectations. It may serve as an advanced training role for consideration of promotion to a more senior-level claims position.

The role requires proven multi-line claims experience, including proficiency with commercial auto liability claims involving MCS-90 endorsements, litigation management, and complex coverage issues. The adjuster analyzes coverage; prepares coverage position, reservation of rights, and disclaimer letters; manages tenders; and applies knowledge of the Carmack and Graves Amendments when evaluating liability exposures. The adjuster also handles cargo and physical damage claims, triages claims according to severity and complexity, and develops handling strategies for timely, accurate, and cost-effective resolution.

The position reports to Chicago, Illinois, and is remote. The stated schedule is 8:00 a.m. to 4:30 p.m. The salary range is $70,000–$80,000. The position requires at least five years of multi-line claim experience; a bachelor’s degree is preferred. An adjuster license may be required depending on jurisdiction. Spanish proficiency and experience handling municipal claims are valued but not required.

Requirements

• At least 5 years of multi-line claim experience.
• Proficiency handling commercial auto liability claims, including MCS-90 endorsements, litigation management, and complex coverage issues.
• Knowledge of coverage analysis, coverage position letters, reservation of rights letters, disclaimers, and tender situations.
• Knowledge of the Carmack Amendment and Graves Amendment when evaluating liability exposures.
• Excellent oral and written communication skills.
• Initiative to set and achieve performance goals.
• Good analytical and negotiation skills.
• Ability to cope with job pressures in a constantly changing environment.
• Knowledge of responsibilities associated with lower-level claim positions.
• Detail orientation, self-direction, and strong organizational abilities.
• Ability to coordinate and prioritize work.
• Flexibility, accuracy, initiative, and ability to work with minimal supervision.
• Discretion and ability to maintain confidentiality.
• Reliable, predictable attendance during client service hours.
• Responsiveness to internal and external client needs.
• Proficiency with Microsoft Office programs.
• Adjuster license may be required depending on jurisdiction.

Nice To Haves

• Bachelor’s degree.
• Bilingual Spanish proficiency.
• Experience handling municipal claims.

Responsibilities

• Investigate, evaluate, and adjust multi-line claims in accordance with claim-handling standards and applicable laws.
• Establish reserves or provide reserve recommendations within established authority levels.
• Review, approve, or oversee medical, legal, damage-estimate, and miscellaneous invoices to determine whether they are reasonable and related to claims.
• Negotiate disputed bills or invoices for resolution.
• Authorize and make claim payments in accordance with company procedures, industry standards, and payment authority.
• Negotiate settlements in accordance with corporate standards, client instructions, and applicable state laws.
• Assist in selecting, referring, and supervising outside vendors, including legal, surveillance, and case-management providers.
• Assess and monitor subrogation claims through resolution.
• Review and maintain a personal diary in the claim system.
• Prepare reports on claim status, payments, and reserves as requested.
• Compute disability rates in accordance with state laws.
• Coordinate timely communications with clients, claimants, and other appropriate parties throughout the adjustment process.
• Prepare newsletter articles as requested.
• Provide notice of qualifying claims to excess or reinsurance carriers.
• Handle complex multi-line claims with minimal supervision.
• Conduct claim reviews or training sessions for designated clients as requested.
• Attend and participate in hearings, mediations, and informal legal conferences as appropriate.
• Comply with corporate claim-handling standards and special client handling instructions.

Benefits

• Four weeks of paid time off accruing throughout the year in accordance with company policy.
• 10 paid holidays in the first year.
• Medical insurance.
• Dental insurance.
• Vision insurance.
• Life insurance.
• Disability insurance.
• 401(k) retirement plan.
• Employee Stock Ownership Plan (ESOP).
• Internal training and advancement opportunities.
• Supportive, team-based work environment.
• The role may qualify for bonuses or additional forms of pay.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed