Material Damage Claims Adjuster Trainee-Up to $2500 New Hire Bonus-Training Provided
Job Description
- Primary Purpose:
- Examine claims data, investigate the facts of loss, determine coverage and liability, and adjusts claims within limit of authority.
- Essential Duties and Responsibilities:
- Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
- Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary, may review loss reserves and adjust or opens hidden exposures as necessary
- Evaluate and adjust claims within limit of authority and summarize claims in excess of authority and submit to manager for approval
- Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
- Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement
- Determine subrogation or fraud potential and refer to Unit when potential exists or handle to conclusion
- Identify customer needs and work to meet those needs using appropriate customer service skills
- Develop an understanding of the functions of other departments, such as Policy Ops and Marketing
- Trainee
- Shadow and learn the above stated essential duties and responsibilities
- Learn to handle most aspects of auto claims
- Develop a basic understanding of the content of policies written by the company
- Develop a basic understanding of the insurance industry and the organizational relationships of the company
- Learn how to determine subrogation or fraud potential and how to handle
- Develop a basic understanding of systems and technology used within the company
- Minimum Skills and Competencies:
- The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Bachelor’s Degree or in-lieu of degree equivalent education, training and work-related experience
- Successfully completes Claim Representative trainee program, or equivalent external training program
- Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
- Obtain/Maintain appropriate licensing or educational requirements
- Demonstrate proficiency in file audits to agreed standard of efficient claims quality
- High degree of initiative, mature judgment, and discretion
- Ability to resolve conflicts and empathize with customers is critical
- Strong negotiation skills
- Demonstrate professional oral and written communication skills
- Organization and time management skills are critical for this position
- Demonstrate an understanding of insurance law as it relates to claims
- Trainee
- Learn to recognize and identify all body parts of a vehicle and/or understanding other potential property damage
- Develop understanding of claim policies & procedures; refers questions to supervisor
- Develop ability to handle repair/replace decisions
- Develop labor judgment skills and learn to complete simple estimates accurately