Claims Adjuster - Auto Physical Damage
- Career Level
- Experienced (Non-Manager)
Expanding Insurance Carrier is seeking 2-3 Physical Damage Auto Adjusters, dealing with personal auto claims for the state of Texas. Under close supervision is accountable for prompt investigation, settlement, and conclusion of casualty claims. Work is based on direct contact with insureds, claimants, professional experts and others. Claims are assigned on a daily basis and are to be handled in compliance with the Texas Insurance Code and company guidelines.
Verify coverage and analyze information gathering by investigation. Secure interviews and/or recorded statements from claimants and witnesses. Obtain police reports, medical records, scene photos, property damage estimates to access damage and liability. Appropriately document findings in claim notepad. Report findings to management. Collect evidence to support claim decisions and support contested claims in court. Examine claim forms and other records to determine insurance coverage. Interview or correspond with agents, insureds, claimants, and other pertinent parties to handle potential coverage issues. Negotiate claim settlements within authority limits.
Reports to the Casualty Claims Unit Manager on all files involving: coverage questions, reinsurance involvement, claims exceeding authority, establishing file reserves in excess of authority, claims open 90 days from report date.and claims involving a complaint.
Identifies recovery and subrogation potential and handles according to company procedural guidelines. Collects information pertaining to the claim, investigates the cause, origin and identifies third party responsibility in connection with all types of claims.
Prepares recommendations for settlement/reserve change on files exceeding personal authority or prior established reserves.
Responsibilities include expense control, providing quality claims experience, and determining liability in compliance with Company procedures and the Texas Insurance Code.
1. Bachelor’s degree from an accredited college or university. The following may be considered in lieu of a college degree.
a. A minimum of six months claims related experience or
b. A minimum of two (2) years claims adjusting experience or
c. A minimum of four (4) years military service with honorable discharge.
3. Ability to accurately perform routine mathematical functions and data entry.
4. Ability to read, comprehend and explain complex written material.
5. Ability to write clear, detailed reports with few or no grammatical or spelling errors.
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