Bodily Injury Claims Specialist

Auto-Owners Insurance Company•Troy, MI

2d•Hybrid

About The Position

Auto-Owners Insurance is seeking a motivated Bodily Injury Claims Representative to join its Claims department. The role involves investigating and adjusting bodily injury claims, determining coverage and liability, evaluating losses, and making payments in accordance with coverage and damage determinations. The specialist studies insurance policies and related forms, follows claims procedures, participates in negotiations and settlements, and provides service to agents, insureds, and others. The position may work from home up to three days per week after initial in-person training, based on job responsibilities and the company’s work-from-home program. The role may involve meeting claim participants outside the office, conducting on-site investigations, and handling complex exposure claims through mediations, settlement conferences, and trials. The employee must maintain punctual attendance at an assigned, company-approved work location and handle confidential information according to company standards and applicable law.

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 losses, analyze legal liability, make payments consistent with coverage and damage and liability determinations, and perform other duties necessary to adjust claims.
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, adapting service approaches to the circumstances.
Meet with people involved in claims, including outside the office environment when necessary.
Conduct investigations by telephone, email, mail, and on site.
Maintain required adjuster licenses within the time frame prescribed by the company or applicable statute.
Handle complex and unusual exposure claims through on-site investigations and participation in mediations, settlement conferences, and trials.
Handle confidential information in accordance with 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.