Claim Specialist - Auto Injury

State Farm•Murfreesboro, TN

11d•Remote

About The Position

State Farm is hiring a Claim Specialist for its Auto Injury segment. The role helps customers through the claims process and provides Remarkable® service, using technology and analytics alongside human judgment, empathy, and expertise. Auto Injury handles bodily injury and uninsured/underinsured 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 injuries to attorney-represented and/or litigation claims. The specialist takes ownership of the customer experience and helps policyholders recover from unexpected events. The work may involve difficult and emotional investigations, including traumatic injury and loss of life, as well as lawsuits, demands, and interactions with attorneys. This is a remote position, but candidates must reside within 50 miles of Murfreesboro, Tennessee. Hours of operation may change based on business needs; employees must be willing to work flexible shifts and may be asked to work overtime and/or irregular hours.

Requirements

Successfully complete all required training, applicable proficiency requirements, licensing exams, and background checks required by relevant states.
Be able and willing to work flexible shifts and potentially overtime and/or irregular hours.

Nice To Haves

Bachelor's degree preferred.
Excellent communication and interpersonal skills for interacting effectively with clients, agents, and other stakeholders.
Effective empathy and de-escalation skills for difficult or emotional conversations, with a customer-minded focus.
Detail orientation and strong organizational and analytical skills.
Strong critical-thinking and decision-making skills.
Ability to multitask across technical platforms.
Accountability.
Resourcefulness.

Responsibilities

Review and analyze injury claims to determine coverage, liability, and damages.
Conduct thorough investigations by gathering relevant information, interviewing involved parties, and reviewing supporting documentation.
Evaluate medical records, police reports, and related documents to assess the extent of injuries and liability.
Negotiate settlements with claimants, ensuring fair compensation within policy limits.
Document claim activities, maintain accurate records, and prepare reports as required.
Collaborate with internal legal, medical, and risk assessment teams to ensure proper claim handling.
Handle claims that may involve lawsuits, demands, and attorneys.

Benefits

Competitive pay, 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 healthcare plan options.
In-network preventive care covered at 100% under all medical plans.
Vision, dental, telemedicine, and 24/7 mental health professional access.
Educational benefits, including training programs and tuition assistance.
Employee resource groups and mentoring.
Fertility, IVF, and adoption assistance.
College coaching, national discount programs, financial workshops, and free financial coaching.
Time-off policies, with the opportunity to initially earn 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.