Commercial Auto - Injury Claim Owner

Farmers Insurance•Phoenix, KS

12d•Hybrid

About The Position

The Commercial Auto - Injury Claim Owner investigates, determines liability and coverage, establishes damages, and negotiates the settlement of claims. The role handles a range of claims, including bodily injury, property damage, multiple-line coverage, and property claims, and is responsible for complex investigations and high-dollar indemnity and expense exposure. Work is generally performed independently and has a direct bearing on management results. The position also represents the company in dealings with customers and other parties and may assist in training less experienced Commercial Claims Representatives. The preferred work arrangement is hybrid at a Farmers corporate office in Phoenix, Arizona; Kansas City, Kansas; Caledonia, Michigan; Oklahoma City, Oklahoma; or St. Louis, Missouri. Hybrid employees within 50 miles of a corporate office work at least three days in the office and may work virtually up to two days. Applicants more than 50 miles away may be considered for remote work. The role requires a high school diploma or equivalent and an active All Lines Adjuster license, or the ability to obtain one. If not already licensed, passing the licensing requirements during training is a condition of employment. A bachelor's degree and a Texas, Florida, or Oklahoma home-state license are preferred. Applicants need 1–3 years of injury claims handling experience and must successfully complete the Claims Representative prerequisites, proficiencies, and exams required for their unit assignment. Farmers offers a competitive salary based on experience, qualifications, and location. Listed annual salary ranges vary by location, from $60,750–$95,150 in some locations to $80,168–$115,625 in Washington. Other listed ranges include $70,304–$110,000 in California; $60,750–$101,750 in Hawaii, Illinois, Minnesota, Vermont, Massachusetts, Maryland, and Virginia; $62,353–$110,000 in Washington, D.C., New Jersey, New York, and Ohio; and $64,875–$95,150 in Albany County, New York, and Cleveland, Ohio. A bonus opportunity is based on company and individual performance.

Requirements

High school diploma or equivalent.
Active All Lines Adjuster license, or ability to obtain licensure; if not currently licensed, passing the licensing requirements during training is a condition of employment.
1–3 years of injury claims handling experience, including investigation, evaluation, and resolution of injury-related claims.
Successful completion or demonstration of Claims Representative prerequisites, proficiencies, and exams as required by unit assignment.
Communication skills.
Personal computer literacy.
Valid driver's license.
Must be bondable.

Nice To Haves

Bachelor's degree.
Texas, Florida, or Oklahoma home-state adjuster license.

Responsibilities

Investigate assigned claims, including complex coverage issues; determine liability; identify subrogation rights; establish damages; prepare cases for arbitration; report claim status; attend settlement conferences as directed; and negotiate settlements within prescribed payment authority.
Adjust bodily injury, property damage, multiple-line coverage, and property claims.
Inspect damaged property and determine claim-related damage.
Estimate repair or replacement costs for damaged or stolen property.
Determine and report subrogation potential.
Report theft, fraud, and arson losses to state and industry agencies as required.
Assist in training less experienced Commercial Claims Representatives.
Read and understand plaintiff complaints and petitions, insurance contracts, and indemnity agreements; investigate complex unlitigated cases and analyze detailed coverage issues.
Communicate with policyholders, claimants, agents, witnesses, contractors, police and fire departments, fraud and arson personnel, special investigators, attorneys, expert witnesses, medical professionals, and other parties involved in claims.
Represent the company professionally in public and customer-facing interactions.
Promote safety and comply with company safety and ergonomic standards.
Perform other functions as assigned.