Bodily Injury Claims Specialist

Auto-Owners Insurance•Mount Pleasant, MI

3d•Hybrid

About The Position

Auto-Owners Insurance is seeking a motivated individual to join its Claims department as a Bodily Injury Claims Representative. The position involves adjusting bodily injury claims, including gathering facts, determining coverage and liability, evaluating losses, and making payments in accordance with coverage, damage, and liability determinations. The role also handles complex and unusual exposure claims, including on-site investigations and participation in mediations, settlement conferences, and trials. The position requires studying insurance policies, endorsements, and forms; following claims-handling procedures; participating in negotiations and settlements; and delivering appropriate customer service to agents, insureds, and others. The role also involves investigating claims through telephone, email, mail, and on-site visits; maintaining required adjuster licenses; handling confidential information; and assisting with the evaluation and selection of outside counsel. Punctual attendance at an assigned schedule and Company-approved work location is required. After initial in-person training, this specific role may offer the flexibility to work from home up to three days per week, based on job responsibilities. The company 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, make payments consistent with coverage, damage, and liability determinations, and perform other functions needed to adjust the loss.
Study insurance policies, endorsements, and forms to understand 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.
Develop alternative approaches to provide appropriate service according to the circumstances.
Meet with people involved in claims, sometimes outside the office.
Investigate claims by telephone, email, mail, and on-site visits.
Maintain adjuster licenses when required by statute, within the timeframe 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.