Commercial Auto, GL and PIP Claims Examiner II

TRISTAR Insurance Group; United States; Remote; USD 60,000 - 80,000; Full time

Job summary

A leading insurance provider is seeking a Claims Adjuster to review policy information and conduct claim investigations. This remote role requires a New York State Adjuster License and at least two years of relevant experience. Ideal candidates will have strong analytical and communication skills, and a solid background in handling liability claims. Benefits include medical insurance, life insurance, and a 401(k) plan.

Benefits

Medical, Dental, Vision Insurance

Life and Disability Insurance

401(k) Plan

Paid Holidays

Paid Time Off

Referral bonus

Qualifications

• At least two years of Automobile and General Liability claims experience required.
• Knowledge of claims handling concepts, practices, and techniques.
• Demonstrated verbal and written communication skills.

Responsibilities

• Conduct an efficient claim examination and investigation.
• Oversee and direct outside investigative service providers.
• Prepare Loss Reports providing thorough analysis.

Skills

Analytical skills

Communication skills

Decision-making skills

Customer service skills

Computer proficiency

Education

High School Diploma or GED

Bachelor’s degree in related field

Job description

Overview

POSITION SUMMARY: Responsible for the prompt review of policy information to determine coverage for loss/damage/injury. Conduct an efficient claim examination and investigation leading to the final resolution of liability claims, including matters in litigation. Frequent contact and interaction with involved parties, including claimants and their legal representatives, will be required. Recommendations regarding loss exposure and associated reserve and settlement strategy will be effectively communicated to the client.

DUTIES AND RESPONSIBILITIES

• Review and interpret coverage, process, and conclude assigned claims including investigation and evaluation of Auto, No Fault PIP, and/or General Liability Casualty Claims.
• Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to advance the claim to conclusion.
• Maintain an ongoing diary.
• Continually assess exposure and evaluate for accurate reserves and settlement recommendation.
• Prepare Loss Reports providing thorough analysis of coverage, liability, and damages.
• Where applicable, determine if subrogation and/or risk transfer exists and initiate recovery efforts at the direction of the client.
• Document all correspondence, reports, discussions, and decisions in the claim file record.
• Provide outstanding service to the client.

Position is remote/working from home.

Other Qualifications

• Candidate must have a New York State Adjuster License.

QUALIFICATIONS

Education/Experience: High School Diploma or GED required; bachelor’s degree in related field (preferred) and two years auto and general liability casualty and or No Fault/PIP related experience; or equivalent combination of advanced education and experience.

Special Requirements:

• At least two years of Automobile and General Liability claims experience required.
• Knowledge of claims handling concepts, practices, and techniques, including but not limited to coverage issues, litigation management and product line knowledge.
• Demonstrated verbal and written communications skills.
• Demonstrated advanced analytical, decision-making and negotiation skills.
• Computer proficiency.

Preferred Skills:

• Ability to communicate effectively and clearly, both orally and in writing.
• Ability to manage relationships in a fast-paced environment, while demonstrating problem solving and decision-making skills to work with customers.
• Good analytical abilities to review, exercise judgment and evaluate claims to make sound decisions with a minimal amount of supervision.
• Excellent customer service skills.
• An understanding of the litigation process and case valuation in multiple jurisdictions.
• Ability to carry out detailed written or verbal instructions, ability to respond to requests effectively and efficiently and exhibit good common sense.
• An ability to handle assigned claims following company guidelines and industry best practices with a minimal amount of supervision.
• Time management skills, organizational skills, and ability to prioritize issues and tasks.
• Ability to effectively operate computer equipment and applications.
• Independence, flexibility, and creativity.

Benefits

• Medical, Dental, Vision Insurance.
• Life and Disability Insurance.
• 401(k) Plan
• Paid Holidays
• Paid Time Off.
• Referral bonus.

MENTAL AND PHYSICAL REQUIREMENTS

See separate attachment for a copy of checklist of mental and physical requirements.

MENTAL AND PHYSICAL REQUIREMENTS

1. MENTAL EFFORT

a. Reasoning development:

Follow one- or two-step instructions; routine, repetitive task.

Carry out detailed but uninvolved written or verbal instructions; deal with a few concrete variables.

Follow written, verbal, or diagrammatic instructions; several concrete variables.

solve practical problems; variety of variables with limited standardization; interpret instructions.

Logical or scientific thinking to solve problems; several abstract and concrete variables.

Wide range of intellectual and practical problems; comprehends most obscure concepts.

b. Mathematical development:

Simple addition and subtraction; copying figures, counting, and recording.

Add, subtract, multiply, and divide whole numbers.

Arithmetic calculations involving fractions, decimals, and percentages.

Arithmetic, algebraic, and geometric calculations.

Advanced mathematical and statistical techniques such as calculus, factor analysis, and probability determination.

Highly complex mathematical and statistical techniques, such as calculus, factor analysis, and probability determination, require theoretical application.

c. Language development:

Ability to understand and follow verbal or demonstrated instructions; write identifying information; request supplies verbally or in writing.

Ability to file, post, and mail materials; copy data from one record to another; interview to obtain basic information such as age, occupation, and number of children; and guide people and provide basic direction.

Ability to transcribe dictation, make appointments, and process mail; write form letters or routine correspondence; interpret written work instructions; interview job applicants.

Ability to compose original correspondence, follow technical manuals, and have increased contact with people.

Ability to report, write, or edit articles for publication; prepare deeds, contracts, or leases; prepare and deliver lectures; interview, counsel, or advise people; evaluate technical data.

2. PHYSICAL EFFORT

a. Physical activity required to perform the job:

Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Light work:

a. Exerting up to 20 pounds of force occasionally

b. Exerting up to 10 pounds frequently

Medium work:

a. Exerting up to 50 pounds of force occasionally

b. Exerting up to 20 pounds of force frequently

c. Exerting up to 10 pounds of force constantly to move objects

Heavy work:

a. Exerting up to 100 pounds of force occasionally

b. Exerting up to 50 pounds of force frequently

c. Exerting up to 20 pounds of force constantly to move objects

Very heavy work:

a. Exerting in excess of 100 pounds of force occasionally

b. Exerting in excess of 50 pounds of force constantly to move objects

c. Exerting in excess of 20 pounds of force constantly to move objects

Visual requirements necessary to perform the job:

Far vision: clarity of vision at 20 feet or more

Near vision: clarity of vision at 20 inches or less

Mid-range vision: clarity of vision at distances of more than 20 inches and less than 20 feet

Depth perception: the ability to judge distance and space relationships, so as to see objects where and as they actually are

Color vision: the ability to identify and distinguish colors

Field of vision: ability to observe an area up or down or to the right or left while eyes are fixed on a given point

2. PHYSICAL EFFORT (cont.)

FREQUENCY

c. Physical activity necessary to perform the job and frequency (e.g., continually, frequently, or occasionally):

Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles, and the like, using feet and legs and/or hands and arms. Body agility is emphasized. This factor is important if the amount and kind of climbing required exceeds that required for ordinary locomotion.

Balancing: Maintaining body equilibrium to prevent falling when walking, standing, or crouching on narrow, slippery, or erratically moving surfaces. This factor is important if the amount and kind of balancing exceeds that needed for ordinary locomotion and maintenance of body equilibrium.

Kneeling: Bending legs at the knee to come to a rest on the knee or knees.

Crouching: Bending the body downward and forward by bending legs and spine.

Reaching: Extending hand(s) and arm(s) in any direction.

Standing: Particularly for sustained periods of time.

Walking: Moving about on foot to accomplish tasks, particularly for long distances.

Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward, or outward.

Pulling: Using upper extremities to exert force in order to drag, haul, or tug objects in a sustained motion.

Foot Motion: Using feet to push pedals.

Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position.

Fingering: Picking, pinching, typing, or otherwise working with fingers rather than with the whole hand or arm as in handling.

Grasping: Applying pressure to an object with the fingers and palm.

Occasional

Occasional

Occasional

Occasional

Occasional

Occasional

Occasionally

Occasionally

Frequently

Frequently

Occasionally

2. PHYSICAL EFFORT (cont.)

FREQUENCY

Talking: Expressing or exchanging ideas by means of the spoken word. Those activities in which workers must convey detailed or important spoken instructions to other workers accurately, loudly, or quickly.

Hearing: Perceiving the nature of sounds with or without correction. Ability to receive detailed information through verbal communication, and to make fine discriminations in sound, such as when making fine adjustments on machined parts.

Feeling: Perceiving attributes of objects, such as size, shape, temperature, or texture by touching with skin, particularly that of fingertips.

Repetitive Substantial movements (motions) of the wrists, hands,

Motion: and/or fingers.

Frequently

Frequently

Frequently

3. WORKING CONDITIONS

Disagreeable job conditions to which the employee may be exposed and the frequency (e.g., continually, frequently, or occasionally) of this exposure.

WORKING CONDITION

ENVIRONMENTAL

FACTOR

NATURE/REASON

OF EXPOSURE

FREQUENCY

Dirt/Dust

Noise

Temperature extremes

Dampness

Vibrations

Equipment movement hazard

Chemicals/solvents

Electrical shock

Significant work pace/pressure

Odors/Fumes