Bodily Injury Claims Specialist

Auto-Owners Insurance•Saint Cloud, MN

2d•$65,500 - $96,100•Hybrid

About The Position

Auto-Owners Insurance is seeking a motivated individual to join its Claims department as a Bodily Injury Claims Representative. The role involves investigating and adjusting bodily injury claims, determining coverage and liability, evaluating losses, and making payments consistent with coverage, damage, and liability determinations. The specialist studies insurance policies, endorsements, and forms; follows claims handling procedures; participates in negotiations and settlements; and provides customer service to agents, insureds, and others. The work may involve meeting claim participants outside the office and conducting investigations by telephone, email, mail, and on-site. Complex and unusual exposure claims may require on-site investigation and participation in mediations, settlement conferences, and trials. The position also involves handling confidential information, assisting with outside counsel selection, and maintaining punctual attendance at an assigned schedule and Company-approved work location. The company offers a merit-based work-from-home program based on job responsibilities. Initial training is in person; subsequent work-from-home flexibility is determined by the leadership team. The role requires the ability to work in the U.S. without current or future sponsorship.

Requirements

A minimum of 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 U.S. without current or future sponsorship.

Responsibilities

Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, and make payments in accordance with coverage, damage, and liability determinations.
Perform other functions or duties necessary to properly adjust losses.
Study insurance policies, endorsements, and forms to develop an understanding of insurance coverage.
Follow claims handling procedures and participate in claim negotiations and settlements.
Deliver a high level of customer service to agents, insureds, and others.
Devise alternative approaches to provide appropriate service depending on the circumstances.
Meet with people involved with claims, sometimes outside the office environment.
Conduct investigations by telephone, email, mail, and on-site.
Maintain appropriate adjuster licenses, if 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.