Subrogation Examiner (Auto Claims) (Hybrid)

NYCM Insurance•Edmeston, NY

5d•Hybrid

About The Position

The Subrogation Examiner evaluates automobile claims to identify recovery opportunities and manages the recovery process, including investigation, evaluation, negotiation, and disposition. The role handles claims in compliance with applicable insurance regulations and NYCM best practices while assessing customer needs and working to meet or exceed customer expectations throughout the claims process. The position is hybrid, with two days per week in the office, and requires travel as needed for claims and agency visits.

Requirements

High school diploma or equivalent, with related experience demonstrating the knowledge, skills, and abilities necessary to perform the essential functions.
Good knowledge and understanding of personal auto policies, Regulation 64, best practices, New York State Vehicle and Traffic Laws, and automobile insurance claims procedures.
Knowledge and understanding of the subrogation process.
Knowledge and understanding of arbitration practices and principles.
Customer-service orientation.
Good personal computer skills, including electronic mail and record keeping.
Excellent oral and written communication skills.
Ability to multitask, prioritize, and manage time effectively.
Attention to detail.
Critical-thinking, problem-solving, and decision-making skills.
Strong negotiation skills.
Ability to work independently and as part of a team with minimal direct supervision.
Ability to handle stress professionally, calmly, and effectively.
Positive and professional attitude, with the ability to influence and support change.
Willingness to continue professional development.

Responsibilities

Investigate claims to evaluate the cause of loss and determine subrogation potential.
Identify subrogation opportunities and refer files to the subrogation partner for recovery.
Manage claim investigations and assess the viability of recovery opportunities.
Identify the at-fault party, insurance carrier, or legal representative.
Determine when outside experts or attorneys are needed and manage their involvement.
Establish the scope of recovery, determine subrogation potential, and set appropriate reserves.
Negotiate settlements with adverse parties, their insurance carriers, or legal representatives.
Manage a working diary of assigned claims and bring claims to conclusion in a timely manner.
Manage cycle times and claim outcomes through file review and timely disposition.
Present recovery outcomes to customers and guide them through the recovery process, keeping them informed.
Identify fraud indicators and submit referrals to EFW and SIU as needed.
Issue settlement payments within coverage and authority limits.
Refer files to the subrogation partner for arbitration filing or response.
Work with assigned vendors to ensure they meet expectations on each claim.
Communicate professionally with customers, witnesses, and adverse parties, including handling incoming and outgoing calls and preparing written recovery requests.
Compile reports for management review.
Accept and record settlement payments received.
Update and document claim files with processing activities.
Provide education and guidance to examiners and adjusters on subrogation identification and handling.
Work on special projects, perform other duties as assigned, and travel as needed for claims and agency visits.