Auto Damage Claims Specialist

Central Insurance Company•Van Wert, OH

1d•Hybrid

About The Position

At Central Insurance, we believe claims handling is more than resolving losses - it's about delivering peace of mind during challenging moments. Our Auto Damage Claims team combines technical expertise, innovation, and exceptional service to help customers navigate the unexpected with confidence. As an Auto Damage Claims Specialist, you'll play a critical role in investigating claims, solving complex problems, building strong relationships with policyholders and agents, and driving optimal outcomes that support both our customers and our company. If you're passionate about customer service, analytical thinking, and making a meaningful impact every day, we invite you to join our team.

Requirements

Ability to obtain and maintain all required state department of insurance adjusting licenses and CE’s within 90 days of employment
Bachelor’s degree and 1 year of related experience
Or Associates degree and 2 years of related experience
Or 3 years of related experience
Travel as needed

Nice To Haves

AINS or AIC designation(s)
Claims experience in both Personal Lines and Commercial Lines
Ability to professionally interact with our customers
Ability to investigate, gather facts and information, and analyze coverage
Understand the importance of capturing data
Possess an innovative and continuous improvement mindset
Possess a positive, professional, cooperative, and quality-conscious service attitude
Ability to work under pressure, deal with interpersonal conflict, and handle a heavy workload
Possesses analytical and problem-solving skills
Possesses verbal and written communication skills, including negotiation, presentation, and influence skills
Ability to understand Central Insurance’s policies and processes
Completes our AMD Claims Training Program
Possesses a change champion mindset to help facilitate the adoption of new tools and processes
Achieves optimal claims outcomes
Complies with state regulatory/statutory requirements, corporate privacy and other claim policy requirements
Understands and utilizes various resources including technology and tools
Ability to reach key performance metrics

Responsibilities

Manages assigned Claims with hospitality, optimal claim outcomes, and efficiency throughout the life of the claim
Investigates, evaluates, negotiates and settles assigned claims within authority limits
Assesses vehicle damages, including negotiates total loss settlements and working collaboratively with salvage team
Provides proactive hospitality by appropriately setting expectations, building rapport, and responding to requests timely
Builds relationships and appropriately communicates with agency partners and internal stakeholders
Understands all applicable coverage forms; provides thorough and timely coverage analysis and communication
Detects and mitigates fraud when investigating claim
Conducts thorough and proactive claim investigations including utilization of ISO
Executes on coverage documentation, use of Reservation of Rights, Non-Waivers, and coverage letters
Completes liability determination and analysis
Sets accurate initial reserve in a timely manner and continually reviews in the context of ultimate probable exposure
Obtains, analyzes and evaluates damage documentation, implements appropriate control of rental/loss of use, and mitigates advanced charges.
Maintains appropriate Loss Adjustment expense control and utilizes approved suppliers
Implements proper recognition, investigation, referral and communication regarding subrogation
Reviews estimates
Assists team development with subject matter expertise learning, onboarding assistance, and assists supervisor when needed
Completes training as needed