Commercial Auto - Injury Claim Owner

Farmers Insurance•East Grand Rapids, MI

14d•$60,750 - $115,625•Hybrid

About The Position

The Commercial Auto - Injury Claim Owner investigates claims, determines liability and coverage, establishes damages, and negotiates settlements. The role handles complex, unlitigated injury claims and other claim types, including bodily injury, property damage, multiple-line coverage, and property claims. The position involves substantial contact with policyholders, claimants, agents, witnesses, contractors, public agencies, attorneys, medical professionals, and other parties involved in investigating and processing claims. The role carries high-dollar indemnity and expense exposure, represents the company in a professional capacity, and may assist in training less experienced Commercial Claims Representatives. The position is preferably hybrid at a Farmers corporate office in Phoenix, Kansas City, Caledonia, Oklahoma City, or St. Louis; remote work may be considered. Employees living within 50 miles of a Farmers corporate office work at least three days in the office and may work virtually up to two days per week. Required duties are normally performed in a climate-controlled office, with possible exposure to various field conditions. A high school diploma or equivalent is required. An active All Lines Adjuster license is required, or the ability to obtain one; passing the licensing requirements during training is a condition of employment for candidates who are not currently licensed. The job requires 1–3 years of injury claims handling experience. A bachelor's degree and Texas, Florida, or Oklahoma home-state adjuster license are preferred.

Requirements

High school diploma or equivalent.
Active All Lines Adjuster license, or ability to obtain licensure; if not currently licensed, passing the All Lines Adjuster 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 based on unit assignment.
Communication skills.
Personal computer literacy.
Valid driver's license.
Ability to be bonded.
Ability to perform physical activities including bending, pulling, sorting, carrying up to 20 pounds, pushing, speaking, climbing, reaching, standing, key entering, reading, walking, kneeling, seeing, and writing.

Nice To Haves

Bachelor's degree.
Texas, Florida, or Oklahoma home-state All Lines Adjuster license.

Responsibilities

Investigate assigned claims, including complex coverage issues, and determine liability.
Identify subrogation rights and report on subrogation potential.
Establish damages, inspect damaged property, and determine claim-related damage.
Estimate repair or replacement costs for damaged or stolen property.
Prepare cases for arbitration, report case status, attend settlement conferences as directed, and negotiate settlements within assigned payment authority.
Adjust claims involving bodily injury, property damage, multiple-line coverage, and property.
Report theft, fraud, and arson losses to state and industry agencies as required.
Assist in training less experienced Commercial Claims Representatives.
Analyze detailed coverage issues and conduct complex investigations on unlitigated cases; read and understand plaintiff complaints, petitions, insurance contracts, and indemnity agreements.
Represent the Company professionally in contacts with claimants, policyholders, agents, witnesses, contractors, law enforcement and fire departments, fraud and arson personnel, investigators, attorneys, expert witnesses, medical professionals, and other relevant parties.
Promote safety and comply with applicable safety and ergonomic standards.
Perform other functions as assigned.