Claims Senior Casualty Adjuster

AAA • Escondido, CA

6d

About The Position

The Claims Senior Casualty Adjuster handles moderate- to high-complexity claims involving material damage, property, and/or liability lines of insurance written by the Interinsurance Exchange. The position's primary functions include liability investigation, coverage evaluation, negotiation strategies, and claims resolution, while complying with regulatory and statutory requirements. The adjuster uses discretion and independent judgment to follow state and federal law and established company, technical, and customer-service best practices. Under general supervision and within specific authority limits, the adjuster resolves claims.

Requirements

• Bachelor's degree or equivalent combination of education and experience.
• Required: 4–6 years of property, auto, casualty, or relevant claims administration experience.
• Comprehensive knowledge of claims administration best practices and procedures.
• Advanced knowledge of insurance, fault assessment, negligence, and subrogation principles.
• Comprehensive understanding of building and vehicle repair procedures and third-party liability issues.
• Advanced knowledge of Microsoft Office, general computer software, and claims software.
• Advanced organization and planning skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.
• Advanced leadership skills among peers.
• Proficiency and understanding of medical terminology and causality.
• Valid driver's license, acceptable Department of Motor Vehicles record, and minimum liability insurance.
• An insurance or claims adjuster license may be required in specific states.

Nice To Haves

• Preferred: 7–9 years of prior claims handling experience.
• Chartered Property Casualty Underwriter credential from the Insurance Institute of America (preferred).
• Associate in Claims credential from the Insurance Institute of America (preferred).

Responsibilities

• Conduct phone and/or field investigations to determine liability and damages.
• Attend and participate in legal proceedings as needed.
• Identify and obtain statements from insureds, claimants, and witnesses.
• Communicate and interact with insureds, claimants, and other individuals.
• Explain benefits, coverage, fault, and the claims process verbally or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address moderate-complexity coverage issues.
• Evaluate and determine claim values based on property, bodily injury, and liability information.
• Negotiate within settlement authority with insureds and claimants to resolve first- and third-party claims.
• Update production reports and document and maintain claim files using company systems.
• Control expenses within areas of responsibility.
• Verify, interpret, and resolve coverage by gathering information to determine policy applicability.
• Coordinate with internal and external departments as required.
• Respond promptly to customer needs and problems.
• Resolve claims independently within the assigned authority level.

Benefits

• Medical, dental, and vision health coverage.
• 401(k) savings plan with company match and pension.
• Tuition assistance.
• Floating holidays and paid time off for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.
• Incentive program eligibility for full-time positions, based on organizational, team, and personal performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior