Injury Resolution Specialist

Encova Mutual Insurance Group.; Northern (KY); Hybrid; USD 69,000 - 111,000; Full time

Benefits offered by this job

Health insurance

Life insurance

401(k) plan

Paid time off

Flexible work options

Job summary

Encova Insurance is seeking an Injury Resolution Specialist to investigate, evaluate, negotiate and settle bodily injury claims in a home-based role. You must reside in a payroll-approved state; travel may be required and you report to a Manager, National Injury Claims.

Responsibilities include handling auto, homeowners and liability claims, reviewing coverage, gathering information, evaluating reserves and moving files toward resolution. Strong negotiation and communication skills are essential.

Qualifications

• Requires a college degree or equivalent and strong insurance/claims knowledge.
• Continuing education preferred (AIC/CPCU designations or equivalent).
• Excellent telephone and in-person claims negotiation, investigation and communication skills.

Responsibilities

• Investigate, evaluate, negotiate and settle bodily injury claims and related coverages.
• Handle auto, homeowners and liability claims including first notices and reassignment scenarios.
• Review and apply policy provisions, exclusions and endorsements; verify limits/deductibles.
• Gather information, take statements, determine facts of loss, liability and subrogation potential.
• Establish reserves and action plans to move files toward resolution.

Skills

Negotiation

Communication

Investigation

Tort law knowledge

Medical terminology

Organizational skills

Education

College degree or equivalent

Job description

The salary range for this job posting is $69,152.00 - $110,642.00 annually + bonus + benefits. Pay Type: Salary The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.

Encova Insurance has an immediate opening for an Injury Resolution Specialist. This role will be home-based, but you must reside in a state where we are registered for payroll as seen in this posting and on our careers page. This role reports to a Manager, National Injury Claims.

Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.

JOB OBJECTIVE

Investigate, evaluate, negotiate and settle bodily injury claims and any related coverages within established best practices and applicable jurisdictional guidelines.

ESSENTIAL FUNCTIONS

• Handle injury claims including personal and commercial auto, uninsured and underinsured motorists, homeowners’ liability and commercial liability and limited litigation files.
• Claims may involve serious or permanent injuries, including fatalities.
• Claims may be assigned as first notice, requiring a complete investigation and handling of all aspects of the claim, or may be a reassignment of the injury claim only.
• Review and analyze coverage, apply policy conditions, provisions, exclusions and endorsements and verify applicable limits, deductibles and co-insurance.
• Investigate and gather information, including taking statements as necessary, to determine the facts of loss, liability and subrogation potential.
• Proactively manage and continuously evaluate the claim with specific emphasis on the nature and extent of injury, causality and relatedness of medical treatment received.
• Conduct a medical history investigation as necessary.
• Determine and continually evaluate appropriate reserves.
• Establish a plan of action and utilize appropriate resources as necessary to move the file towards resolution.
• Effectively investigate, evaluate, negotiate and settle a minimum average of 20 losses per month.
• Negotiations will be primarily on the phone but may occasionally require personal contact.
• Comply with claims organization policies, established best practices and jurisdictional guidelines.
• Complete comprehensive reports and authorization requests as required.
• Maintain competency in the use of multiple claims systems and manage efficient and effective follow-up practices.
• Obtain state licensing as required.
• Serve as a member of claims teams as assigned.

OTHER FUNCTIONS

• Maintain an ongoing understanding of claims processes, procedures and systems, and keep current on fair claims practices laws, compliance issues, and business-related developments.
• Maintain open lines of communications with all stakeholders including resolution specialists that may be involved in the handling of other elements of the file.
• Attend seminars and workshops as required.
• Occasional travel may be required.
• Perform other duties and special assignments as requested to support business needs.

KNOWLEDGE. SKILLS AND EXPERIENCE

This position requires a college degree or equivalent and a strong understanding of insurance and the claims organization. Continuing education is strongly preferred and may be obtained through the Institutes (Associate in Claims (AIC) and/or Chartered Property Casualty Underwriter (CPCU) designations) or other accredited insurance education provider. This position requires considerable experience as a claims resolution specialist or the equivalent experience in the industry or a related field. The candidate must have excellent telephone and personal claims negotiations, communication and investigation skills. The individual must understand tort law and must have thorough knowledge of medical terms and treatments. The candidate must be able to obtain, analyze and evaluate medical history and documentation. The candidate must possess detail-oriented organizational skills. The candidate must demonstrate a proven ability to evaluate serious and complicated injury claims and to negotiate to a successful conclusion. This position requires an excellent knowledge of all personal and commercial lines policies and coverage written by the company. This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.

Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential.

What you can expect from us

In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to:

• Health, Dental & Vision Insurance
• Company-provided life and income protection plans
• Eligibility to participate in a company incentive bonus program
• 401(k) Retirement Plan - 100% company match up to 7% on annual salary
• Paid Time Off, Paid Holidays, and Floating Holidays
• Flexible Work Arrangements - Hybrid and remote depending on the role

We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally. Encova Insurance is an EOE/E-Verify employer.

At Encova our associates are the heart of our business. Our exceptional culture makes it a special place to work and gives us a unique advantage. Building and sustaining this culture requires intentional effort from everyone in the company. We believe that achieving results and building trust are interrelated. Through connection, character and competence, we build trusting relationships with associates, agents and policyholders to achieve excellent results. Through our collaborative team structure we find professional and personal growth. We never stop learning and always seek to improve ourselves. At Encova, we know that inclusion and belonging foster our competitive edge by giving voice to every individual’s unique talent and perspective; and we believe that when a condition of equity exists, all associates can contribute to the fullest extent of their knowledge, skills and ability.