Job Description
Our Company: At AssuranceAmerica, we are more than a unique blend of insurance assets. We believe in creating a culture where every associate can learn and grow. We strive to create a work environment to meet associate needs and we are determined to achieve excellence in everything we do. This is an opportunity to join a dynamic team in a company that is a leader in the minimum limits auto insurance space and functions with a small company, entrepreneurial style. This position will require someone with an understanding that one needs to have a roll up your sleeves attitude to help make things happen.
Job Summary: The Casualty Adjuster (Liability Adjuster III) is responsible for a caseload consisting of complex coverage and liability issues, any claims involving serious injuries, and files in litigation. This position requires thorough and complete investigations to gather sufficient information and knowledge of our policy language to make proper coverage and liability decisions with guidance from their supervisor. Adjusters must also be able to develop exposures and evaluate injury claims fairly and equitably based on the damages, as well as the insurance contract and venue, and in accordance to company policies and applicable state laws.
Job Responsibilities: - Investigate and evaluate coverage, liability, and damages in handling of all lines of coverage for personal automobile policies.
- Evaluate and negotiate fair and equitable settlements and obtain proper closing documents.
- Control expenses and adhere to company reserving philosophy by maintaining proper reserves on all pending claims/potential exposures.
- Meet and maintain general file handling goals and procedures as outlined by the company including maintaining a 1:1 closing ratio and status on diary reviews.
- Provide excellent customer service not only to our outside customers but also to other departments within the company.
- Properly utilize underwriting and policy systems and understand its features and functionality, as needed.
- Perform other various duties as assigned by Manager / Supervisor.
- Attend any available seminars and classes applicable to this position and the skills required to meet the job duties and responsibilities.
- Continually ask questions and have a desire to develop additional skills to better investigate and evaluate claims.
Requirements
Qualifications: Required
- Minimum five (5) years of experience handling auto claims.
- Minimum two (2) years of experience in an attorney represented bodily injury claims and significant knowledge of complex coverage issues and statutory requirements.
Preferred
- Non-standard experience.
- Bachelor's degree or equivalent.
- Adjuster's license in relevant state or the ability to obtain one quickly.
- Bilingual (English-Spanish).
Core Competencies: - Must be able to work in a fast-paced automated production environment.
- Must employ excellent communication/interpersonal and customer service skills.
- Leadership abilities are necessary, with the ability to make autonomous decisions based on multiple facts.
- Demonstrated team building and coordination skills.
- Demonstrated ability to partner with management to identify and address operations, customer service, and underwriting issues.
- Solid planning and organizational skills including time management, prioritization, and attention to detail.
- Demonstrated ability to accomplish goals through influence management.
Our Values: We are direct, results driven, and dedicated to the success of the business and each other. In addition, we operate against these five key values, reflected in how we work with each other every day:
- Honor: We do what is right, even when no one is looking. We play by the rules; integrity is of utmost importance.
- Discipline: We are most efficient and resourceful in how we work... striving to be better than our competition.
- Common Sense: We are relentlessly logical. We value an approach to our business that acknowledges the obvious and errs on the side of simplicity.
- Financial Strength: Fundamental to our prosperity is an ever-vigilant focus on rigorous financial discipline. These practices enable us to navigate through all business cycles.
- Dedication: We demonstrate a deep-seated respect for our Associates and customers. We listen and respond as best we can - for without them, our business would not exist.
This job description indicates the essential responsibilities of the job. The duties described are not to be interpreted as being all-inclusive to any specific associate. Management reserves the right to add to, modify, or change the work assignments of the position as business needs dictate. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. This job description does not represent a contract of employment. Employment with AssuranceAmerica is at-will. The at-will relationship can be terminated at any time, with or without reason or notice by either the employer or the associate.
AssuranceAmerica is an Equal Opportunity Employer