Bodily Injury Claims Specialist

Auto-Owners Insurance•Mesa, AZ

About The Position

Auto-Owners Insurance is seeking a motivated person to join its Claims department as a Bodily Injury Claims Representative. The role involves adjusting bodily injury claims by gathering facts, determining coverage and liability, evaluating losses, and issuing payments in accordance with the applicable coverage and claim determinations. The specialist studies policy documents, follows claims procedures, negotiates and settles claims, and provides service to agents, insureds, and others. The position handles investigations through phone, email, mail, and on-site visits, including complex and unusual exposure claims. It may involve meetings outside the office and participation in mediations, settlement conferences, and trials. The specialist maintains required adjuster licenses, handles confidential information appropriately, and assists with evaluating and selecting outside counsel. Attendance must be punctual at an assigned schedule and Company-approved work location. A merit-based work-from-home program may offer flexibility after initial in-person training, as determined by the leadership team.

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 communicate 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 losses and legal liability, and make payments according to coverage, damage, and liability determinations.
Study insurance policies, endorsements, and forms to understand 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 visits.
Maintain required adjuster licenses within the applicable Company or statutory time frames.
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 law, regulation, or rule.
Assist in evaluating and selecting outside counsel.
Maintain punctual attendance according to an assigned work schedule at a Company-approved work location.