Claim Specialist-Injury

State Farm•Boulder City, NV

4d•Hybrid

About The Position

State Farm is on the cutting edge with the use of technology to support claim employees in developing enhanced skillsets to support and protect our policyholders. Not Human or Digital. Human + Digital, working together. Auto Injury is a customer-facing segment handling bodily injury and uninsured/underinsured claims along with property damage claims involving injuries. Claims will be tiered within Injury based upon their claim characteristics, complexity, and severity. This could range from non-attorney represented bodily injuries, up to attorney represented and/or litigation claims. This position is for a field role in which you will have in person assignment(s) claims handling. Examples of in person assignments would be customer facing tasks (such as securing documentation, money, etc) and legal appearances (small claims court, settlement conferences, mediations, trials, etc). Once in person assignments are completed, you would then transition to a claim handler for 3rd party liability claims (evaluating, negotiating, and settling claims). Helping people recover from the unexpected can be one of the most rewarding aspects of the Injury claims position. We empower our claim handlers to take ownership of the customer experience, demonstrate learning agility, apply their knowledge, and lead through the eyes of our customers.

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

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
Claims employees may occasionally deal with difficult and emotional investigations which include traumatic injury and loss of life. May also require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions.
Handling may include lawsuits and/or demands as well as working with Attorneys