Auto Claims Adjuster - West Des Moines, United States - Columbus Region

Description

**Auto Claims Adjuster - Auto Damages**

****It's fun to work in a company where people truly BELIEVE in what they're doing****

**We're committed to bringing passion and customer focus to the business.**

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**Summary & Key Responsibilities??**

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Handles low to mid-range complexity claims, with some exposure to high complexity claims, as defined by the CARE department processes and procedures. Handling will consist of the direct investigation of the facts of loss, evaluation of coverages, liability, damages, and negotiation of claims to a proper conclusion. May be involved with litigated files for experience and developmental purposes.

**Hybrid Work From Home Opportunity****Key Responsibilities:**

+ Determines policy status and coverage; reviews appropriate policies and endorsements for coverage, limits, and deductibles; immediately notify the manager of any claim that may be outside of the assigned scope of handling level or authority.

+ Makes prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss to set expectations, develop an action plan and perform an initial exposure assessment

+ Conducts investigation to determine coverage, liability, and damages, including recorded statements and coordination of field inspections or experts when necessary based on Department Best Practices

+ Ensures regular and timely follow-up and brings claims to prompt and appropriate conclusion while keeping the customer informed throughout the life cycle of the claim process

+ Maintains electronic records that accurately and thoroughly document all file handling activity

+ Overnight travel may be required

+ May be called upon to perform additional duties as directed.**??Overall Company Operations:**

+ Provide exceptional customer service.

+ Collaborate with co-workers by assisting in areas where and when needed.

+ Exhibit positive demeanor and professional behavior toward coworkers, clients, and customers.

+ Actively participate in personal goal setting and in the coaching and performance management process.

+ Observe all company safety and health rules and apply these in all day-to-day activities

+ Reasonable and predictable attendance is required.

+ Actively participate in personal goal setting and in the coaching and performance management process.

+ Observe all company safety and health rules and apply these in all day-to-day activities

+ Reasonable and predictable attendance is required.???

**Key Responsibilities Auto Damages:**

+ 3+ years of auto claims handling or insurance-related customer service experience preferred.

+ Identifies coverage issues and investigates if they are related to damages and transfers to the appropriate person to resolve if not.

+ Makes prompt contact with policyholders and claimants to take statements, schedule the appropriate method of inspection and set repair and rental expectations.

+ Responsible for deciding whether a vehicle is a total loss or probable total loss and takes steps to verify. Once a total loss is determined, works with the customer to resolve the claim on an actual cash value basis.

+ Opens exposures, sets reserves and makes payments.

+ Directs the handling of damage lawsuits.

+ Manages the vehicle repairs ensuring the shop is timely with the repairs and approving or rejecting additional repairs based on industry standards and expertise.

+ Identifies and refers SIU eligible claims based on department criteria.

+ Verifies that there are no injuries on the claim and transfer them to the appropriate handler when discovered.**Minimum Experience/Education:**

+ Minimum of 3 or more years of related professional experience. Previous experience within the insurance industry within the line of business is required.

+ Industry designation such as AIC, CPCU preferred.

+ High school diploma or equivalent required. Post-secondary education preferred.

+ Obtain all required adjuster license within 180 days of employment.Communication and Collaboration Skills:

+ Professional oral and written communication skills are critical to the success of this position. All claims service must be handled with tact, diplomacy, and courtesy at all times.

+ Must be able to collaborate and develop strong team relationships with associates from within and outside the Claims Department.Customer-centric with exceptional customer service skills.

Technical Knowledge:

Must have comprehensive knowledge and understanding of insurance policies and endorsements, as well as the ability to understand complex documents, contracts, and other legal documents.

Problem Solving:

Gather facts and draw conclusions, interpret complex requirements/issues and work independently. The individual must be able to identify and implement key opportunities while researching potential solutions.

State Auto Values:

Must be willing to work by the "values" established by State Auto.

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State Auto offers a competitive salary, an annual bonus program, an excellent benefits program including medical, dental, vision and prescription insurance coverage, life insurance, matching 401(k) plan, flexible spending accounts, tuition assistance, and a stock purchase plan.

State Auto is committed to the principle of equal employment opportunity for all associates and applicants and to providing associates with a work environment that is free from discrimination and harassment. All employment decisions (hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, training and work assignments) are based on business needs, job requirements and individual qualifications without regard to race, color, religion, gender, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, citizenship status, military status, or status as a covered veteran in accordance with applicable federal, state and local laws. State Auto will not tolerate discrimination or harassment based on any of these characteristics.

State Auto is a smoke-free work environment. We utilize background checks as a condition of employment. For all exempt positions, we also obtain motor vehicle reports (MVR s).

State Auto will not accept candidates from third-party recruiters without a signed agreement with State Auto.

Please Note: This is a pipeline or evergreen requisition. A Pipeline or evergreen requisition means that the job description *does not represent a current opening*, but may be used to identify future candidates with skills and experience for frequent, critical-need positions. By applying, you are providing State Auto with consent to contact you for future openings of similar qualifications.

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****Full Time** **/ Part Time****

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Full time****Worker Sub-Type****

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Regular**If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us???????????** ?