Liability Adjuster II

AssuranceAmerica•Atlanta, GA

About The Position

The Liability Adjuster II manages a caseload of complex liability and coverage claims, including claims involving minor bodily injuries. The role conducts thorough investigations, gathers necessary facts, and applies policy language to make accurate and timely coverage and liability determinations. The Adjuster works with a degree of autonomy and consults with a supervisor on nuanced or high-exposure cases. The position handles personal automobile insurance claims, evaluates exposure, injury claims, and damages, negotiates settlements, documents claim resolutions, manages low-complexity attorney-represented injury claims, and maintains appropriate reserves and claim-file standards. It also requires using underwriting and policy systems, pursuing relevant training, and continually developing claim investigation and evaluation skills.

Requirements

Minimum of three years of experience handling auto claims.
Minimum of 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 motivation and a team-oriented approach.
Direct, results-driven, and dedicated to the success of the business and colleagues.

Nice To Haves

Bachelor’s degree or equivalent.
Non-standard insurance experience.
Adjuster’s license in the relevant state or ability to obtain one quickly.
Bilingual in English and Spanish.

Responsibilities

Investigate 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 for claim resolution and closure.
Manage low-complexity, attorney-represented injury claims in accordance with internal guidelines and industry standards.
Control expenses and maintain proper reserves on pending claims and potential exposures in accordance with company reserving philosophy.
Meet general file-handling goals and procedures, including maintaining a 1:1 closing ratio and completing diary reviews.
Use underwriting and policy systems as needed and understand their features and functionality.
Attend available seminars and classes relevant to the position and required skills.
Continue asking questions and developing skills for investigating and evaluating claims.
Collaborate with a supervisor for guidance on nuanced or high-exposure cases.

Benefits

Medical, dental, and vision plans.
Voluntary life insurance.
Flexible Spending Accounts and a Health Savings Account.
Group Life and AD&D Insurance.
Short- and Long-Term Disability Plans.
Employee Assistance Program.
Travel Assist.
Benefit Resource Card, including Teladoc, pet insurance, and Health Advocate.
401(k) Savings Plan with a 100% employer match on the first 4% of associate contributions.
Engagement events.
Annual learning credit and reimbursement for approved educational assistance.
Paid Time Off.
Parental Leave Pay.
Volunteer Time Off.
Bereavement Pay.
Military Leave Pay.
Jury Duty Pay.