Claims Examiner (Trucking)

American Southern Insurance Company; Atlanta (GA); On-site; USD 85,000 - 120,000; Full time

Job summary

American Southern Insurance Company seeks an experienced Insurance Claims Examiner to investigate, settle, and supervise claim files for assigned accounts in a fast-paced property and casualty unit.

You will receive loss reports by phone, email or fax, review policies for coverage, negotiate settlements within policy limits, coordinate with outside adjusters and reinsurers, and establish loss reserves while ensuring compliance with industry practices and state regulations.

Qualifications

• Associates or Bachelors degree from an accredited college or university.
• Five or more years of industry experience.
• Industry continuing education (IIA, CA, etc.)

Responsibilities

• Receives and processes reports of losses via telephone, electronic or faxed means.
• Conducts claim file audits of contracted agents.
• Investigates trucking physical damage, cargo and general liability claims as assigned by Senior VP and/or Trucking Claims Supervisor.
• Negotiates settlements within policy limits with claimants and/or their attorneys.
• Establishes and adjusts loss reserves on pending cases.
• Travels and works beyond normal business hours as required.

Skills

Communication skills

Negotiation

Policy interpretation

Decision making

Teamwork

Problem solving

Attention to detail

Mathematical calculations

Independent work

Education

Associate or Bachelor’s degree

Industry continuing education (IIA, CA, etc.)

Tools

Computer literacy

Calculator

Fax machine

Copier

Telephone

Job description

Insurance Discipline:Property & Casualty

Reports to:Senior Vice President - Claims

FSLA Status:Exempt

Summary:

Investigates, settles, and supervises claim files for assigned accounts.

Essential Duties and Responsibilities:

• Receives and processes initial telephone, electronic or faxed reports of losses.
• Conducts claim file audits of contracted agents.
• Investigates commercial trucking physical damage, cargo and general liability claims on accounts as assigned by Senior Vice President and/or Trucking Claims Supervisor.
• Timely processes claims in compliance with industry fair claims practices and applicable state regulations.
• Reviews policy provisions to determine if a loss is covered under the policy.
• Obtains police reports, appraisals, statements from witnesses, estimates of property value.
• Assigns and directs outside adjusters and other professionals to evaluate the circumstances of a loss.
• Extends settlement authority to adjusters.
• Negotiates settlements within policy limits with claimants and/or their attorneys, and submits recommendations for large offers to Senior Vice President and/or Trucking Claims Supervisor for review and approval.
• Directs that settlement checks be issued, and obtains proofs of loss or releases for adjusted claims.
• Communicates orally, in person or through written reports with Trucking Claims Supervisor and Senior Vice President on the status and rationale of cases pending.
• Establishes and periodically adjusts loss reserves on pending cases within assigned accounts.
• Responds to claims-related consumer complaints on aspects of claim handling filed with state insurance departments.
• Notifies reinsurers of losses which may exceed company’s retained limits.
• Coordinates claim settlements with reinsurers.
• Keeps current with latest developments in the industry by reviewing newsletters from various sources, attending seminars, reviewing legal opinions, updates, and changes in laws of various states.
• Travels and works beyond normal business hours as required.

Knowledge, Skills and Abilities:

• The ability to perform each of the essential duties satisfactorily.
• Working knowledge of the property and casualty business, in particular trucking and/or heavy equipment claims and auto physical damage.
• An understanding and knowledge of policy language of products the company offers and claims practices.
• An understanding of company processes, including claims, accounting, and IT.
• Excellent oral and written communication skills.
• Decision-making and prioritization skills.
• Decisive, resourceful, reliable and creative working style.
• Ability to negotiate successfully.
• Ability to read and comprehend the provisions of an insurance policy.
• Ability to anticipate and solve practical problems and resolve issues.
• Ability to maintain good organization.
• Able to work independently and as part of a team.
• Ability to accurately perform mathematical calculations using basic arithmetic operations.
• Ability to use and operate a computer, calculator, fax machine, copier and telephone.

Education and/or Experience:

• Associates or Bachelors degree from an accredited college or university.
• Five or more years of industry experience.
• Industry continuing education (IIA, CA, etc.)

Physical Demands and Work Environment:

Normal office environment.

Ability to travel via motor vehicle and airplane.

While performing the duties of this position, the employee is regularly required to talk, see, and hear (one-on-one, via telephone, and in small group settings).