Personal Lines Adjuster I

Southern Trust Insurance Company • Macon, GA

8d

About The Position

Under the direction of the Claims Manager, the Personal Lines Adjuster I is responsible for investigating, evaluating, and resolving personal auto claims of low to moderate complexity. The adjuster ensures fair and timely claim resolution through strong coverage analysis, accurate damage assessment, and exceptional customer service. This position does not handle bodily injury or medical-related claims. Essential Functions Pursuant to Company business strategies and good faith claims practices: Investigate assigned personal auto physical damage and homeowner property claims to determine coverage, cause of loss, and extent of damages. Review and interpret personal lines policy forms and endorsements to confirm coverage applicability. Obtain recorded statements, repair estimates, photos, and documentation needed to evaluate claims. Coordinate inspections, appraisals, and repairs with vendors, independent adjusters, and repair facilities. Evaluate estimates, determine depreciation, and negotiate settlements within authorized limits. Identify potential subrogation or recovery opportunities and refer as appropriate. Maintain detailed and accurate file documentation that supports claim decisions and complies with company standards. Communicate promptly and professionally with insureds, agents, and vendors to ensure high-quality customer service. Maintain compliance with state regulations, company procedures, and fair claims handling requirements.

Requirements

• High school diploma or equivalent required; Bachelor’s degree in a related field preferred.
• Minimum of two (2) years of experience handling personal auto claims.
• Strong understanding of insurance coverage interpretation, estimating principles, and claim file documentation.
• Excellent verbal and written communication skills, including negotiation and conflict resolution.
• Proficiency with Microsoft Office and claims management systems.
• Strong organizational skills with the ability to manage multiple files in a fast-paced environment.
• Must be available to work during disaster or catastrophe situations (including nights/weekends) as required.
• Holds a Georgia Adjusters License or must acquire license within six months of employment.
• Proficiency in Microsoft Office and claims management systems.

Nice To Haves

• Knowledge of personal lines insurance policies.
• Familiarity with estimating systems and vendor networks for auto claims.
• Understanding of auto body materials, repair methods, and vehicle repair processes.
• Awareness of subrogation, salvage, and recovery procedures.

Responsibilities

• Investigate assigned personal auto physical damage and homeowner property claims to determine coverage, cause of loss, and extent of damages.
• Review and interpret personal lines policy forms and endorsements to confirm coverage applicability.
• Obtain recorded statements, repair estimates, photos, and documentation needed to evaluate claims.
• Coordinate inspections, appraisals, and repairs with vendors, independent adjusters, and repair facilities.
• Evaluate estimates, determine depreciation, and negotiate settlements within authorized limits.
• Identify potential subrogation or recovery opportunities and refer as appropriate.
• Maintain detailed and accurate file documentation that supports claim decisions and complies with company standards.
• Communicate promptly and professionally with insureds, agents, and vendors to ensure high-quality customer service.
• Maintain compliance with state regulations, company procedures, and fair claims handling requirements.

Benefits

• 401(k) company match up to 6% eligible upon hire
• Medical, dental & vision, including company paid Life insurance and long-term disability
• Flexible spending accounts
• Paid time off
• Parental & family leave; military leave & pay
• Employee Referral Incentive
• Career Development & Continuing Education Assistance

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED