Claim Specialist-Injury

State Farm•Cleveland, OH

4d•Hybrid

About The Position

State Farm is committed to being good neighbors and helping people. The company is evolving to become a Next Gen Good Neighbor, utilizing technology to enhance customer experiences and strengthen human connections. This role focuses on supporting policyholders by leveraging technology and human expertise. The Auto Injury segment handles bodily injury, uninsured/underinsured claims, and property damage claims involving injuries. Claims are tiered based on complexity and severity, ranging from non-attorney represented bodily injuries to litigation claims. This is a field role involving in-person assignments such as securing documentation, attending legal appearances, and then transitioning to a claim handler for 3rd party liability claims, which includes evaluating, negotiating, and settling claims. The position empowers claim handlers to take ownership of the customer experience, demonstrate learning agility, apply knowledge, and lead with a customer-centric approach. Claims employees may encounter difficult and emotional investigations, including traumatic injury and loss of life, and may need to interact with parties expressing strong emotions. Handling may involve lawsuits, demands, and working with attorneys.

Requirements

Prior claim handling experience with proven ability to assess damages, estimate repair costs, and negotiate settlements
Proficiency in using Claims Management software and other relevant tools
Detail-oriented with strong written communication skills
Effective verbal communication and interpersonal skills to handle difficult conversations with a customer-minded focus
Strong critical thinking and decision-making skills
Ability to multi-task across technical platforms
Strong organizational and time management skills
Effective negotiation skills
Ability to work collaboratively in a team environment while also being self-motivated and able to work independently
Identification of complexities that may require coordination with independent experts, vendors, or defense counsel
Physical agility to allow for: frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces
A valid driver’s license is required
Employees must successfully complete all required training, including applicable proficiency and licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s).
Candidates may be asked to travel and work outside of their assigned territory as business needs dictates.

Nice To Haves

Bachelor's Degree
Claim handling experience including: Bodily injury and property damage liability claims, as well as uninsured or underinsured motorist coverage claims
Verification of coverage, legal liability, and extent of damage to persons and property by using knowledge of policies, procedures, laws, statutes, and insurance regulations
Litigation experience – In person court appearances (including Trials, Settlement Conferences, Mediations)

Responsibilities

Reviewing and analyzing both residential and commercial property injury claims to determine coverage, liability, and damages with exposures up to $500,000
Conducting thorough investigations by gathering relevant information, interviewing involved parties, and reviewing supporting documentation
Evaluating medical records, police reports, and other related documents to assess the extent of injuries and liability
Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations
Negotiating settlements with claimants, ensuring fair compensation is provided within policy limits considering policy provisions, industry standards, and company guidelines
Documenting all claim activities, maintaining accurate records, and preparing reports as required
Collaborate with external policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently
Collaborating with internal teams, including legal, medical, and risk assessment, to ensure proper claim handling
Handling may include lawsuits and/or demands as well as working with Attorneys