Senior Auto Claim Examiner

Chubb•Phoenix, AZ

5d•Hybrid

About The Position

We are seeking an experienced Auto Claims Adjuster who will be responsible for managing auto claims, including property damage, liability inquiries, rental management, and other relevant coverages. The successful candidate will demonstrate strong analytical skills and an ability to ensure fair claims practices while providing exceptional service to our clients.

Requirements

A minimum of 2 years of experience in handling auto claims, including complex coverage and liability investigations.
A Bachelor’s Degree or equivalent practical experience is required.
Comprehensive understanding of insurance contracts, investigative methodologies, legal requirements, and relevant insurance regulations.
Proven ability to collaborate effectively within teams and interact with diverse individuals.
Strong analytical aptitude for evaluating and interpreting information.

Nice To Haves

Exceptional Customer Service Abilities: Demonstrated commitment to providing top-notch service to clients, ensuring their concerns are addressed promptly and professionally.
Ability to manage difficult conversations with empathy and clarity while maintaining a positive rapport.
Proficiency in Investigation Techniques: Strong understanding of investigative methodologies, including how to gather, analyze, and interpret relevant information to assess claims accurately.
Familiarity with evidence collection processes and conducting interviews to establish facts.
Strong Organizational and Time Management Skills: Proven ability to manage multiple claims simultaneously, prioritizing tasks effectively to meet deadlines.
Ability to maintain detailed and organized claim files that facilitate quick reference and decision-making.
Excellent Verbal and Written Communication Skills: Ability to articulate complex ideas clearly and concisely in both verbal and written formats.
Proficient in drafting comprehensive reports and correspondence that comply with legal and company standards, ensuring clear communication with clients, colleagues, and vendors.
Skilled in Negotiation and Reserving Processes: Demonstrated proficiency in negotiating settlements that are fair and equitable for all parties involved.
Strong understanding of reserve setting and management to ensure appropriate claim funding throughout the process.
Innovative Thinking and Problem-Solving Capabilities: Ability to think creatively when faced with challenges, developing effective strategies to resolve issues and optimize claims processes.
Comfortable making independent decisions in high-pressure situations, while also recognizing when to seek guidance from senior team members.
Attention to Detail: A meticulous approach to reviewing contracts, claim details, and documentation, ensuring accuracy and compliance with industry standards.
Strong ability to identify potential discrepancies or coverage gaps that may impact the claims process.
Adaptability and Stress Management: Capable of maintaining effectiveness in rapidly changing environments, particularly during workload surges or crisis situations.
Ability to remain calm and make informed decisions under pressure, contributing to efficient operations during catastrophic events.
Team Collaboration and Leadership: Proven ability to work effectively within a team, fostering a collaborative environment.
For senior candidates, the ability to provide mentorship and technical guidance to junior adjusters, enhancing the overall skill set of the team.
Technological Proficiency: Familiarity with claims management software and other relevant technology tools that aid in the claims investigation and resolution process.
Willingness to learn new systems and leverage technology to improve efficiency and effectiveness.
If you do not already have one, you will be required to obtain an applicable resident or designated home state adjusters license and possibly additional state licensure.

Responsibilities

Review and evaluate contract language to discern coverage issues effectively.
Develop claims files through accurate and timely investigation and loss analysis.
Maintain a detailed file diary to facilitate swift resolution of claims.
Establish and monitor accurate reserves for each claim.
Identify and pursue recovery opportunities where applicable.
Comply with all statutory and regulatory fair claims practices.
Recognize and assess potential fraudulent claims.
Manage relationships with outside vendors efficiently regarding their work product and associated expenses.
Evaluate claim details critically and negotiate settlements effectively.
Build and maintain strong business relationships with both internal teams and external customers.
Act as a technical resource for less experienced adjusters on the team, providing guidance and support.
Contribute to the achievement of team goals, objectives, and overall results.
Assist with workload surges and catastrophe operations as needed, including potential overtime during designated events.