Auto Claims Adjuster

INSURICA, Inc.; Marble Falls (TX); On-site; USD 52,000 - 78,000; Full time

Job summary

INSURICA, Inc. in Texas is seeking an Auto Claims Adjuster to handle commercial auto claims, conduct investigations, determine liability, and manage reserves, settlements, and vendor engagements.

The role emphasizes excellent customer service, clear documentation, and compliance with coverage terms, with telecommuting opportunities varying by location and department.

Qualifications

• 1–3 years auto claim handling experience preferred.
• Texas Adjuster’s License required or ability to obtain.
• Bachelor's degree preferred, but not required.
• Strong customer service and communication skills.

Responsibilities

• Investigate loss by interviewing claimants, witnesses, and others involved, gathering evidence, police reports, photos, and repair estimates.
• Determine liability by analyzing facts, including applicable laws and regulations.
• Manage reserves, payments, recoveries, and negotiate settlements for commercial auto claims.
• Engage external vendors as needed for investigation and evaluation.
• Document claims with rationale for decisions and settlements; maintain thorough reports.

Skills

Customer service

Communication

Attention to detail

Multitasking

Negotiation

Education

High School Diploma or equivalent

Bachelor's degree preferred

Texas Adjuster’s License required

Tools

Microsoft Office

Job description

Job SummaryThe Auto Claims Adjuster is responsible for handling commercial auto claims, which include, but are not limited to, claims investigation, liability determination, vendor engagement, accurate interpretation and application of coverage language, appropriate management of loss and expense reserves, and decision-making that is supported by well-reasoned analysis and appropriate documentation. The Auto Claims Adjuster will ensure excellent and effective customer service throughout the claim process.Essential Job FunctionsInvestigate reports of loss by interviewing claimants, witnesses, and other involved parties, gathering evidence, police reports, photographs, and repair estimatesEngage and manage external vendors as needed in the investigation and evaluation of reports of lossDetermine liability by analyzing the facts of each case, including a review of applicable laws and regulationsEnsure timely vehicle inspections to assess the extent of damage and determine the cost of repairs, working with independent adjusters, vendors, and body shops as neededManage financial transactions associated with commercial auto claims, including reserves, payments, and recoveries, as well as negotiating settlements and ensuring fair compensation for lossApply the terms and conditions of the appropriate coverage forms to the facts of loss as reported or developed during investigationsConsistently and frequently communicate with vehicle owners regarding the status of their claim, providing updates, answering questions, and ensuring a positive customer experienceAccurately and thoroughly document the claim with all pertinent activity and rationale for decisions made and actions taken, and prepare detailed reports documenting findings, decisions, and justification for settlements reachedPerform all actions relating to customers and companies in a manner that will avoid issues involving potential errors and omissionsParticipate in seminars and other training to maintain required licenses and for knowledge and skill developmentAdditional ResponsibilitiesThis job description is intended to describe the level of work required of the person performing the position. Essential functions are outlined; however, other duties may be assigned, as needs arise, or as required to support the essential functions. Specific performance objectives may be developed each year to measure the performance of the tasks and functions listed in this job description.Telecommuting opportunities vary by location, department, and business need and are subject to change, as needed. Each manager will provide details on any telecommuting opportunities, as well as scheduling, within their department.Job Qualifications1 – 3 Years of previous auto claim handling experience preferredHigh school diploma or equivalent requiredBachelor's degree preferred, but not requiredPossession of, or the ability to immediately attain, a Texas Adjuster’s License is requiredKnowledge, Skills, and AbilitiesAbility to interpret and correctly apply commercial auto coverage formsExcellent customer service aptitudeAbility to work collaboratively and to resolve conflictAbility to manage and prioritize multiple tasksProficient PC skills, with a focus on the Microsoft Office suite of products (Excel, Word, Outlook, Teams, etc.)Ability to work within a fast-paced, changing-priority environmentSelf-motivated, with the initiative to prioritize and be self-directedRegular and punctual attendance is requiredAbility to communicate effectively, both verbally and in writingExcellent interpersonal skills, with the ability to interact effectively with both colleagues, customers and managers, across all levelsAbility to promote and maintain a team environment, willing to find accommodating solutions for our customers, companies and the AgencyAbility to successfully adhere to company policies and procedures, as well as maintain strict confidentialityWork Conditions and AccommodationsFast-paced, multi-tasking, office environment with periodic high disruption and changing prioritiesAbility to perform approximately 80% sedentary work, exerting up to 10 pounds of force occasionally, and negligible force frequentlyAbility to lift up to 20 pounds occasionallyRequires operation of a computer workstation, including keyboard and video displayAll requirements may be modified to reasonably accommodate physical or mental impairment