Claims Senior Casualty Adjuster

AAA • Escondido, CA

7d • $39 - $51

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 role evaluates coverage, investigates liability, develops negotiation strategies, and resolves claims in compliance with regulatory and statutory requirements. Under general supervision and within specified authority limits, the adjuster uses discretion and independent judgment to comply with applicable law and established company, technical, and customer-service best practices.

The role includes phone and field investigations, evaluation of property and bodily-injury damages, communication with insureds and claimants, settlement negotiation, coverage verification, expense control, and claim-file documentation. Occasional travel to business meetings or conferences is required.

Requirements

• 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 issued by the state.
• An insurance/claims adjuster license may be required for claims administration in specific states.

Nice To Haves

• Bachelor's degree or equivalent combination of education and experience preferred.
• 7–9 years of prior claims-handling experience preferred.
• 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 when needed; and obtain statements from insureds, claimants, and witnesses.
• Communicate with insureds and claimants, explaining benefits, coverage, fault, and the claims process verbally or in writing in compliance with regulatory and statutory requirements.
• Identify 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, including CACS, HUON, HOC, and GUIDEWIRE.
• Control expenses within areas of responsibility.
• Verify and interpret coverage by gathering information to determine policy applicability, and coordinate with internal and external departments as required.
• Respond promptly to customer needs and problems.
• Independently resolve claims within the assigned authority level.
• Travel occasionally to business meetings or conferences.

Benefits

• Health coverage for medical, dental, and vision.
• 401(k) savings plan with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.
• Full-time employees are eligible to participate in an incentive program based on organization, team, and personal performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed