Claim Specialist- Auto Injury-Hybrid

State Farm•Bloomington, IL

5d•Hybrid

About The Position

State Farm is hiring a customer-facing Auto Injury Claim Specialist to handle bodily injury and uninsured/underinsured motorist claims, as well as property damage claims involving injuries. Claims are tiered according to their characteristics, complexity, and severity, ranging from non-attorney-represented bodily injury claims to attorney-represented or litigated claims. The role uses analytics to support claim employees in developing the skills needed to assist and protect policyholders. Claim handlers take ownership of the customer experience and apply judgment, empathy, expertise, and learning agility to help customers recover from unexpected events. Claims may involve traumatic injuries or loss of life, lawsuits, demands, and working with attorneys. This is a hybrid position, with time split between working from home and collaborating in the office. During training, employees may spend a higher proportion of their time in the office. Hours of operation may change based on business needs, and employees must be willing to work flexible shifts and may be asked to work overtime or irregular hours. Employees must successfully complete required training, applicable proficiency and licensing exams, and background checks required by relevant states.

Requirements

Prior claim handling experience.
Strong written and verbal communication skills.
Strong critical-thinking and decision-making skills.
Ability to multitask across technical platforms.
Strong organizational and time-management skills.
Effective negotiation skills.
Ability to work collaboratively in a team and independently with self-motivation.
Ability to identify complex claims that may require coordination with independent experts, vendors, or defense counsel.
Bachelor's degree.
Claim handling experience with bodily injury and property damage liability claims, as well as uninsured or underinsured motorist coverage claims.
Experience verifying coverage, legal liability, and the extent of damage to people and property using knowledge of policies, procedures, laws, statutes, and insurance regulations.
Litigation experience.
Successful completion of required training, applicable proficiency and licensing exams, and required state background checks.

Responsibilities

Review and analyze injury claims to determine coverage, liability, and damages.
Investigate claims by gathering relevant information, interviewing involved parties, and reviewing supporting documentation.
Evaluate medical records, police reports, and other documents to assess injuries and liability.
Negotiate settlements with claimants and ensure fair compensation within policy limits.
Document claim activities, maintain accurate records, and prepare reports.
Collaborate with legal, medical, and risk assessment teams to ensure proper claim handling.
Handle claims that may include lawsuits, demands, and coordination with attorneys.

Benefits

Annual raise and bonus; potential yearly incentive pay up to 15% of base salary.
Health and wellbeing programs, with State Farm paying most of the healthcare premium and offering multiple medical plan options.
In-network preventative care covered at 100% under medical plans.
Vision, dental, telemedicine, and access to 24/7 mental health professionals.
Educational benefits, industry training programs, tuition assistance, employee resource groups, and mentoring.
Fertility, IVF, and adoption assistance.
National discount programs, college coaching, financial workshops, and free financial coaching.
Paid time off, initially up to 20 days annually, plus parental leave, paid holidays, a celebration day, life leave, bereavement leave, and community service/education support days.
Matching Gift Program, Good Neighbor Grant Program, and Employee Assistance Fund.
Free financial advisors and a 401(k) plan with company contributions of up to 7% of salary.