AUTOMOBILE CLAIMS REPRESENTATIVEPOSITION SUMMARY:
Responsible for the investigation, evaluation, negotiation and settlement of automobile first party physical damage and third party property damage insurance losses. Initiates contact with injured parties to obtain claim information and establish potential exposure.
- Evaluates coverage, investigates and determines liability
- Negotiates and settles property damage claims and applies comparative negligence where warranted
- Conducts recorded statement interviews
- Assigns appraisal to damaged vehicles within required time limits
- Identifies injury exposures
- Refers cases of suspected fraud to the Special Investigation unit
- Applies knowledge of company processes and procedures to explain requirements to callers
- Maintains self-control in difficult situations
- Communicates over the telephone in a courteous and pleasant manner, projecting confidence with a positive tone
- Handles all returned company claim checks and checks made payable to the company in a timely fashion.
4 year work related degree.
Insurance coursework desirable – AIC preferred
Rhode Island and Connecticut Adjusters Licenses preferred
Minimum of two years handling automobile physical damage claims
Familiar with varying laws of comparative negligence and safe regulations
Familiar with window-based PC applications
Able to type 50 words per minute.
Capable of analyzing information presented and making decisions based on company guidelines
Past experience pertaining to the processing of clear liability automobile claims
Prior experience of automobile practices in the states of CT, MA, and RI
Outstanding oral and written communication skills
Superior organizational skills required
SENIOR PROPERTY CLAIMS EXAMINER
Processes claims involving property coverages under personal and commercial lines insurance policies. Ensures claim assignments are completed in accordance with company best practices, and state insurance regulations. Investigates, evaluates, negotiates and makes settlements on higher value or complex property damage claims. Assigns and directs field adjusters and experts to gather information required for coverage analysis and damage assessment. Promptly recognizes coverage issues and takes appropriate action. Ensures claim evaluations and negotiations are documented, and proper payments are issued.
•Consistent and timely handling of claims.
•Prompt responses to all communications are followed.
•Apply knowledge of company policies, practices and procedures, and state insurance laws.
•Assign adjusters and experts, and review all reports for accuracy and completeness.
•Coverage issues are promptly recognized and appropriate action is taken.
•Case reserves are accurately and promptly set.
•Evaluations, assessments, negotiations are thoroughly documented.
•Proper payments are issued.
•Settlement authority level is observed.
•Files are properly documented and complete.
•Diary procedures are followed.
•Subrogation properly identified and referred.
•Recognize fraudulent activity and refer to Special Investigation Unit.
•Attend and participate in team meetings and special projects as needed.
•Oversight and handling of oil spill losses.
•This job description is not all inclusive and may include additional duties if needed.
A Bachelor’s Degree or equivalent of directly related to work experience.
Professional development and insurance designations preferred (AIC, ARM, CPCU, etc)
State insurance licensing required.
Seven or more years of experience in processing complex and highly valued personal and commercial property claims.
Proven experience handling property claims under Homeowner and Businessowner insurance policies
Knowledge of building construction methods/ techniques, damage appraisal and state building laws
Proficient mathematical and analytical skills
Professional and effective written and verbal communication, with solid problem solving and decision making skills
Familiarity with Xactimate or other estimating software
Proficiency with Microsoft Office (Outlook, Excel, Word, Powerpoint)
Ability to organize and prioritize work and effectively manage time
Effective communications, problem solving and decision making skills
Ability to work extended hours due to weather related events
CUSTOMER SERVICE REPRESENTATIVE
The Customer Service position provides an exciting and challenging opportunity to work in the dynamic and fast-paced Customer Service environment of a Property and Casualty Insurer.
The Customer Service Representative (CSR) will excel in developing relationships, directly impacting our customers and agents, and demonstrate a true commitment to customer service excellence through positive, effective, and diplomatic oral and written communication skills. The ideal candidate has the ability to defuse negative situations with professionalism and maturity. Additionally, the CSR must thrive in a fast faced learning environment and will quickly gain knowledge of company billing, claims, and underwriting procedures. The ideal candidate for this position should have excellent problem solving skills and the ability to resolve issues without escalation. Candidates must be comfortable with / proficient in using virtual meeting applications for the purposes of training, coaching and mentoring from the department manager and other team members.
The Company is willing to train candidates that the meet the education and experience required through on the job training and our fully funded Tuition Reimbursement program.
•Resolves problems that require judgment based on company guidelines and philosophies in a timely manner.
•Initiates account changes and corrections based on customer requests.
•Researches and analyzes billing, claims, and underwriting issues.
•Identifies trends and reports items to appropriate management.
•Applies knowledge of company processes to explain requirements to callers.
Does not include all responsibilities that may be required to complete the job requirements for this position
EDUCATION & EXPERIENCE:
•A 4 year Degree is required.
•At least 2 years of experience using MS Office.
•Prior work experience in a customer service work environment is preferred.
BODILY INJURY ADJUSTER POSITION SUMMARY:
Under management’s supervision, the Bodily Injury Adjuster is responsible for the investigation, evaluation, negotiation,
and settlement of automobile bodily injury claims. The Bodily Injury Adjuster is also responsible for handling collision,
rental, physical damage, and adverse subrogation claims associated with the bodily injury claims. The position
requires the ability to assess liability and identify potential exposures covered under the Automobile Insurance Policy
which arise out of automobile accidents.
Under limited supervision, the bodily injury adjuster handles bodily injury claims arising under commercial and personal
automobile policies, including conducting detailed investigations of automobile bodily injury liability claims, conducting
interviews, analyzing information in ISO/AIB databases, conducting and/or directing field investigations, assessing medical
documentation, evaluating automobile bodily injury claims, processing property damage and rental claims, negotiating
settlements, identifying and investigating coverage issues, identifying exposures, adjusting reserves, assessing liability
including comparative negligence, recognizing subrogation opportunities, complying with claims handling best practices,
identifying potential fraudulent claims for referral to the Special Investigation Unit.
Four-year college degree preferable.
The position requires that the bodily injury adjuster obtain state adjuster licenses for the states of Rhode Island and
Connecticut and other states as may be required.
Minimum 3 to 5 years’ experience working as a bodily injury adjuster with some property damage adjusting experience preferred.
Strong written and verbal communication and negotiation skills required, along with professional letter writing ability. Must be reliable and have a high level of initiative and self-motivation. Must be well organized and possess analytic and computer skills with the ability to prioritize and multi-task.