The Auto Adjuster III is responsible for investigating, evaluating, negotiating, and resolving personal and commercial automobile claims. The Auto Adjuster III role primarily handles first party Physical Damage claims, Personal Injury Protection and Medical Payment claims, third-party property damage and bodily injury claims, often in litigation and of a complex nature.
Responsibilities Include :
- Investigates, evaluates, negotiates, and resolves casualty auto claims as illustrated by the following :
Contacts the Insured and / or Claimant within 24 hours to acknowledge the claim and begin the investigation. Maintains contact and rapport throughout the claim through multiple contact methods.
Verifies coverage by reviewing the specific facts of the claim, the insurance policy and forms, and other relevant information. Completes timely coverage assessments and drafts appropriate coverage letters, when appropriate.Investigates motor vehicle accidents and determines liability.Secures verbal, written, or recorded statements from Insureds, Claimants, Witnesses, and other relevant persons.Assigns independent auto appraisers or other vendors and oversees the appraiser's actions to ensure compliance with best practices.Manages automobile rental needs for Insureds and Claimants.Maintains a diary system and claim pending to resolve claims efficiently and effectively.Evaluates claim exposure based on information developed during investigation.Pursues salvage and subrogation if applicable.Establishes and maintains appropriate indemnity and expense reserves within established authority.Attends, presents, and participates during roundtable and authority discussions.Negotiates settlement with Insured, Claimant, or their legal representative within the adjuster's authority when appropriate.Recognize and pursue alternative dispute resolution mechanisms where appropriate.Ensures all closing documents are received and filed, i.e., releases, titles, etc.Completes timely and accurate Medicare reporting.Maintains claim files and documents claim activities in accordance with established procedures.Discusses claims above reserve and settlement authority with the Casualty leadership as needed.Ensures all lawsuits are answered in a timely manner. Applies litigation management through selection of defense counsel and direction of claim and litigation strategy.Ensures claims are timely reported to reinsurance when appropriate.Identifies and reports potential fraudulent claims to S.I.U. Manager in a timely manner.Collaborates with other internal departments and external Brethren Mutual agents.All other duties as assigned.Education and Experience :
Bachelor's degree or a combination of education and related experience.Seven (7) or more years of experience in equivalent position preferred.Insurance industry designations preferred.Experience handling claims in Maryland, Pennsylvania, Virginia, Delaware, and Washington D.C. venues preferred.Knowledge of federal and state court systems.Prior attendance at mediations, settlement conferences and trials preferred.Formal training in investigation and claims adjusting.Adjuster licensing secured within six (6) months of hiring.Skills :
Strong litigation management, including direction of defense counsel and implementation of litigation strategies.Ability to identify, analyze, and solve problems.Ability to work independently, handle multiple tasks simultaneously, and exercise good judgement.Efficient time and desk management skills.Strong reading, writing, grammar, and mathematics skills.Strong verbal and written communication skills as well as interpersonal skills.Computer literacy, including working knowledge of Microsoft Office products (Word, Excel, Power Point, Outlook, Adobe).Must be able to successfully pass a criminal background check.