Bodily Injury Claims Representative

Auto-Owners Insurance•Columbia, MO

About The Position

Auto-Owners Insurance is seeking a motivated Bodily Injury Claims Representative to join its Claims department. The role involves adjusting bodily injury claims by gathering facts, determining coverage and liability, evaluating losses, and making payments in accordance with coverage, damage, and liability determinations. The representative studies insurance policies, endorsements, and forms; follows claims-handling procedures; and participates in negotiations and settlements. The position provides customer service to agents, insureds, and others, adapting service approaches to the circumstances. Investigations may be conducted by telephone, email, mail, or on-site, and meetings may take place outside the office. The representative handles complex and unusual exposure claims, including through on-site investigations and participation in mediations, settlement conferences, and trials; assists with the evaluation and selection of outside counsel; and handles confidential information according to company standards and applicable law. The company offers a merit-based work-from-home program according to job responsibilities. Initial training is in person, after which work-from-home time may be available as defined by the leadership team. The representative must maintain punctual attendance at an assigned schedule and a company-approved work location, and maintain any adjuster licenses required by statute within the prescribed time frame.

Requirements

At least three years of insurance claims-related experience.
Ability to organize and conduct investigations involving complex issues and assimilate information to reach logical, timely decisions.
Ability to understand, interpret, and communicate policy language effectively.
Ability to disseminate appropriate claim-handling techniques so others involved in the claim process understand the issues.
Ability to work in the United States without current or future sponsorship.

Responsibilities

Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, make payments consistent with coverage and claim determinations, and perform other duties needed to adjust losses.
Study insurance policies, endorsements, and forms to understand insurance coverage.
Follow claims-handling procedures and participate in claim negotiations and settlements.
Provide a high level of customer service to agents, insureds, and others.
Develop alternative approaches to provide appropriate service based on the circumstances.
Meet with people involved in claims, sometimes outside the office.
Conduct investigations by telephone, email, mail, and on-site.
Maintain adjuster licenses when required by statute, within the time frame prescribed by the company or statute.
Handle complex and unusual exposure claims through on-site investigations and participation in mediations, settlement conferences, and trials.
Handle confidential information according to company standards and applicable laws, regulations, and rules.
Assist in evaluating and selecting outside counsel.
Maintain punctual attendance according to an assigned work schedule at a company-approved work location.