Claims Adjuster

Anchor General Insurance Agency; San Diego (CA); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Company-paid life insurance

401(k) retirement plan with company-m​

Paid time off, paid holidays, and sick

Employee Assistance Program (EAP)

Job summary

Anchor General Insurance Company in California is seeking experienced claims professionals to join our in-office team, with potential hybrid options after probation. You will investigate, evaluate, and negotiate auto claims with empathy and a focus on prompt, fair settlements.

The role requires knowledge of coverage, liability, damages, and reserves, plus the ability to communicate clearly with clients, attorneys, and internal teams.

Qualifications

• Minimum two years of automobile claims handling experience.
• A disciplined approach with strong organization and decision-making.
• Proficient with Word, Excel, Google Sheets and Teams.

Responsibilities

• Investigate, evaluate and negotiate auto claims of varying complexity.
• Conduct prompt and fair investigations to determine coverage, liability and damages.
• Maintain timely written/verbal communications with insured and others.
• Negotiate settlements under supervision with appropriate file documentation.
• Operate a diary system to track claim status and actions.

Skills

Empathy

Analytical thinking

Negotiation

Communication skills

Tools

MS Office

Google Sheets

Microsoft Teams

Job description

Anchor General Insurance Company is excited to be recruiting ambitious, investigation-minded claims professionals. We have employment opportunities to work as an in-office employee with potential hybrid options for those residing in California.

Are you interested in the small business feel with growth aspirations? Do you want to be a part of a growing team where you can make an immediate impact? Do you love to learn about law, fraud, body shops, medical claims, and how the world of insurance connects us all?

Position Summary:

As an experienced claims professional, you will play a critical role by being part of our claims team that focus on delivering an empathetic voice and provide exceptional customer service by achieving a prompt, fair and equitable settlement according to fair claims handling requirements. In this role, you will investigate, evaluate and negotiate claims of varying complexity. This includes knowledge of contracts, investigation, and determination of coverage, liability, damages, and the setting of proper reserves. This may also include the ability to investigate, evaluate and negotiate bodily injury claims with both attorney represented claimants as well as claimants without attorney representation.

Duties and Responsibilities:

• Empathize and assist those that have been involved in an auto accident.

• Evaluate losses utilizing critical thinking and solid judgment to solve problems, make decisions, and resolve complex issues.

• Conduct prompt, thorough and fair investigations by obtaining relevant facts to determine coverage, origin and extent of loss.

• Monitor costs to ensure they are reasonable and customary.

• Keep the insured and others informed about the claim status with timely and accurate written/verbal communications to resolve claims efficiently and effectively.

• Confirm or deny coverage of the claim based on the facts and the policy terms and conditions.

• Negotiate the settlement of claims, based on experience, under varying levels of oversight from supervisor and management according to authority levels and file complexity. Maintain a diary system for file review and document files to reflect status of work being performed on the file.

• Document and communicate all claims activities timely and effectively and in a manner which supports the outcome of the claims file.

• Answer phone calls and respond to emails and voicemails in a timely manner.

• Other duties as assigned.

This is an on-site position. However, a hybrid schedule may be offered after a probationary period of 6 to 12 months, depending on experience and performance.

Qualifications

To be successful, an individual must have a disciplined approach to all job-related activities. A solid foundation of personal organization, sound decision making, analytical skills, customer service skills, and a clear understanding of team commitment are required. This individual should demonstrate the ability to communicate in a clear manner, possess excellent interpersonal skills and must also demonstrate confidence in their decision-making ability.

• Exercise sound financial judgment and discretion in handling insurance claims.
• Knowledge of automobile claims: coverage evaluation, claims investigation, loss assessment, evaluation, reserves, insurance regulations, negotiation, and settlement.
• Knowledge of investigation management, including but not limited to taking and using recorded statements, determining coverage and application of coverage to claims, negotiation, and resolution of claims.
• Knowledge of California-specific adjusting, including California insurance claims regulatory compliance, relevant case law, and California claims legal framework.
• Arizona, Texas, Washington, and Oregon claim knowledge as a plus.
• Self-directed individual who works well with minimal supervision.
• Must have strong analytical skills necessary to make decisions, resolve issues inherent in handling claims effectively by dealing with situations at various levels of intensity and reach a resolution.
• Must be able to interpret insurance policies and various contracts, perform analytical research, and make sound decisions using good judgment.
• Ability to effectively operate a computer and have working knowledge of MS Office applications.
• Ability to multitask.
• Ability to adapt quickly in a fast-paced environment and strong attention to detail.
• An effective listener with the ability to manage, analyze, and execute directions.
• Excellent verbal and written communication skills and the ability to interact professionally with a diverse group of co-workers, supervisors, managers, internal customers, external customers, vendors, and other insurance professionals.
• A Texas All Claims Insurance License may be required, depending on company forecasts.

Education or Experience

2 or more years of experience in automobile claims handling.

Required: Able to meet minimum efficiency standards for customary business applications such as Word, Excel, Google Sheets, and Teams.

We believe in supporting our employees both at work and at home. Eligible employees enjoy a competitive benefits package, which includes:

• Medical, dental, and vision insurance
• Company-paid life insurance
• 401(k) retirement plan with company match
• Paid time off, paid holidays, and sick leave
• Employee Assistance Program (EAP)
• Health Savings Account (HSA) options
• Opportunities for professional growth and development
• Business casual work environment
• Monthly celebrations, summer & holiday events
• Hybrid work opportunities for eligible positions

Benefits may vary based on position and eligibility.

Come join our claims investigation team!