Auto/Physical Damage Claims Representative

Auto-Owners Insurance; Maine; On-site; USD 50,000 - 65,000; Full time

Benefits offered by this job

Medical

Vision

Dental

Life insurance

Disability insurance

401(k) plan with company match

Gym membership reimbursement

Parental leave

Adoption assistance

Fertility treatment assistance

Job summary

Concord Group Insurance in Maine seeks an Auto Physical Damage Adjuster to investigate, evaluate, and determine loss disposition on property/casualty claims. The role services agents and insureds under general supervision, handling claims via phone, mail, and occasional on-site investigations.

Responsibilities include gathering facts, evaluating coverage and liabilities, negotiating settlements, and maintaining licenses with continuing education as required.

Qualifications

• Bachelor’s degree or direct equivalent experience with property/casualty claims handling.
• Ability to read, interpret, and react to documents such as insurance policies, procedure manuals, and legal documents.
• Ability to assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment.
• Ability to write reports and compose correspondence.
• Ability to communicate, in both oral and written formats, in a polite, clear, concise and accurate way.
• Ability to demonstrate good problem-solving and interpersonal skills.
• Ability to organize assigned work and maintain confidentiality.

Responsibilities

• Assemble facts, determine coverage, evaluate loss amount, and analyze liability.
• Make payments in accordance with coverage and damage determinations and adjust claims.
• Learn and comply with claim handling procedures and policies.
• Develop skills in claim negotiations and settlements.
• Serve needs of agents, insureds and others with claims handling.
• Meet with people involved with claims, sometimes off-site.
• Maintain appropriate adjuster licenses as required.
• Complete continuing education as required.
• Handle investigations by phone, mail, and on-site as needed.
• Use computer systems and tools for estimation and documentation.

Skills

Communication skills

Analytical thinking

Problem solving

Attention to detail

Interpersonal skills

Organization

Data security

Independent work

Education

Bachelor’s degree or equivalent (property/casualty)

Tools

Property estimating

Auto estimating

Estimation software

Job description

A career at Concord Insurance Group is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

The Auto Physical Damage Adjuster investigates, evaluates, and determines the appropriate disposition of all types of claims arising out of the Company’s business. This job also provides service to agents, insureds, and others in the course of handling those claims to their conclusion. Work is performed under general supervision.

Responsibilities

• Assemble facts, determine coverage, evaluate the amount of loss, and analyze legal liability
• Make payments in accordance with coverage, damage, and liability determination and perform other functions or duties to properly adjust the loss
• Study insurance policies, endorsements, and forms to develop foundational knowledge of Company insurance products
• Learn and comply with claim handling procedures
• Develop skills in claim negotiations and settlements
• Effectively service needs of agents, insureds, and others
• Meet with people involved with claims, sometimes outside of our office environment
• Obtain and maintain appropriate adjuster’s license(s) as required
• Complete relevant continuing education programs as required
• Maintain punctual attendance according to an assigned work schedule at a Company approved work location
• Handle claims activities and investigations by phone, mail, and occasional on-site investigations
• Use technology-based information for reference, enter information into computer systems and develop specialized skills, including but not limited to property estimating, auto estimating, and use of computer-based programs as tools
• Work on increasingly complex claims as assigned

Requirements

• Bachelor’s degree or direct equivalent experience with property/casualty claims handling
• Ability to read, interpret, and react to documents such as insurance policies, procedure manuals, and legal documents
• Ability to assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
• Ability to write reports and compose correspondence
• Ability to communicate, in both oral and written formats, in a polite, clear, concise, and accurate way
• Ability to demonstrate good problem-solving and interpersonal skills
• Ability to accurately deal with mathematical problems, including geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents)
• Ability to effectively deal with a diverse group of individuals and managed varied factual circumstances
• Ability to organize assigned work
• Ability to maintain confidentially and data security
• Ability to maintain a professional image
• Ability to demonstrate basic knowledge in insurance policy review and sound organization of both investigation material and work to meet Company customer service standards
• Ability to perform job functions independently

Benefits

• medical
• vision
• dental
• life insurance
• disability insurance
• a generous paid time off program for vacation, personal, sick time, and holiday pay
• parental leave
• adoption assistance
• fertility treatment assistance
• a competitive 401(k) plan with company match
• gym member/fitness class reimbursement
• additional resources and programs that encourage professional growth and overall wellness

Why Concord Group Insurance

Since 1928, The Concord Group has been protecting families and small businesses across New England with trusted, personal insurance solutions. The Concord Group is a member of The Auto Owners Group of Companies and is recognized as a leading insurance provider through the independent agency system. Rated A+ (Superior) by AM Best, the company is represented by more than 550 of the best local independent agents throughout Maine, Massachusetts, New Hampshire, and Vermont. At Concord Group, we believe in more than just insurance, we believe in our people. Our associates thrive in a supportive, collaborative workplace where community involvement, professional growth, and shared values drives everything we do. Starting your career with The Concord Group means joining a team that values people first and gives you the opportunity to grow, give back, and make a lasting difference in the lives of those we serve.

Compensation

We are dedicated to fair and competitive total compensation package that supports the wellbeing and success of our associates. In addition to this, we offer other components like bonus opportunities. For this position, the anticipated annualized starting base pay range is: $50,000 - $65,000.

Equal Employment Opportunity

The Concord Group is an equal opportunity employer and hires, transfers, and promotes based on ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state, or local law. The Concord Group participates in E-Verify.

About Us

As a leading regional provider of property and casualty insurance, The Concord Group helps protect the families and small businesses that enable our communities to thrive. Our positive work environment, competitive benefits, and rapid growth make The Concord Group a great place to build your career. The Concord Group is an Equal Opportunity Employer. The Concord Group participates in E-Verify.