Liability Adjuster II

TWAY Trustway Services•Birmingham, AL

About The Position

The Liability Adjuster II manages a caseload of complex liability and coverage claims, including claims involving minor bodily injuries. The role involves thorough investigations, gathering relevant facts, and applying policy language to make accurate and timely coverage and liability determinations. The Adjuster works with a degree of autonomy and collaborates with a supervisor for guidance on nuanced or high-exposure cases. The position handles personal automobile insurance claims across all lines, evaluates coverage, liability, damages, exposure, and injury claims, and negotiates settlements. It also includes managing low-complexity attorney-represented injury claims, maintaining proper reserves and claim files, meeting file-handling goals, using underwriting and policy systems, and continuing to develop claims-handling skills through questions, seminars, and classes. AssuranceAmerica describes itself as a diverse, results-driven organization that provides opportunities for professional growth. The company directs 5% of its earnings from each policy sold to organizations helping people experiencing homelessness, a commitment it calls its Generous Policy.

Requirements

At least three years of experience handling auto claims.
At least two years of experience handling complex liability and coverage issues and unrepresented bodily injury cases.
Excellent verbal and written communication skills.
Attention to detail and ability to multitask.
High degree of motivation and team orientation.
Direct, results-driven approach and dedication to the success of the business and colleagues.
Ability to sit for prolonged periods and work at a computer.
Ability to lift 15 pounds at times.
Ability to navigate various departments of the organization's physical premises.

Nice To Haves

Bachelor’s degree or equivalent.
Experience with non-standard insurance.
Adjuster’s license in the relevant state, or ability to obtain one quickly.
Bilingual English-Spanish.

Responsibilities

Conduct thorough investigations and evaluate coverage, liability, and damages across personal automobile insurance lines.
Assess exposure and evaluate injury claims fairly and consistently based on the facts and extent of damages.
Negotiate timely and appropriate settlements and obtain documentation needed to resolve and close claims.
Manage low-complexity, attorney-represented injury claims while following internal guidelines and industry standards.
Control expenses and maintain appropriate reserves on pending claims and potential exposures in accordance with company reserving philosophy.
Meet file-handling goals and procedures, including maintaining a 1:1 closing ratio and completing diary reviews.
Use underwriting and policy systems and understand their features and functionality as needed.
Attend available seminars and classes applicable to the role and its required skills.
Ask questions and develop additional skills to improve claim investigation and evaluation.

Benefits

Medical, dental, and vision plans for eligible Associates.
Voluntary life insurance, flexible spending accounts, and a health savings account for eligible Associates.
Employer-paid group life and AD&D insurance, short- and long-term disability plans, Employee Assistance Program, Travel Assist, and Benefit Resource Card, which includes Teladoc, pet insurance, and Health Advocate.
401(k) savings plan with a 100% employer match on the first 4% of Associate contributions for eligible Associates over age 21.
Engagement events.
Annual learning credit for approved educational assistance.
Paid time off.
Parental leave pay.
Volunteer time off.
Bereavement pay.
Military leave pay.
Jury duty pay.