Inside Claims Representative

Nodak Ins Group; North Dakota; On-site; USD 10,000 - 60,000; Full time

Job summary

Ein etabliertes Unternehmen in der Versicherungsbranche sucht einen engagierten Claims Representative, der für die Untersuchung und Abwicklung von Haftpflichtansprüchen verantwortlich ist. In dieser Rolle arbeiten Sie eng mit verschiedenen Interessengruppen zusammen, um faire und kundenorientierte Lösungen zu bieten. Sie werden die Möglichkeit haben, Ihre Kommunikations- und Verhandlungsfähigkeiten zu nutzen, während Sie komplexe Ansprüche analysieren und bewerten. Diese Position bietet nicht nur die Chance zur beruflichen Weiterentwicklung, sondern auch die Möglichkeit, in einem unterstützenden Team zu arbeiten und Ihre Karriere voranzutreiben.

Qualifications

• Bachelorabschluss oder gleichwertige Berufserfahrung erforderlich.
• Bevorzugt sind Kandidaten mit drei Jahren Erfahrung in der Schadensabwicklung.

Responsibilities

• Durchführung gründlicher Untersuchungen von Haftpflichtansprüchen.
• Bewertung von Schäden und Verhandlung von Vergleichen mit Anspruchstellern.

Skills

Kommunikationsfähigkeiten

Organisationstalent

Rechtskenntnisse

Verhandlungsgeschick

Kenntnisse in Schadensbewertung

Education

Bachelorabschluss

Drei Jahre Erfahrung im Umgang mit komplexen Ansprüchen

Tools

Internet-Anwendungen

Tabellenkalkulationssoftware

Textverarbeitungssoftware

Job description

Job Details

Salary Range: $25.00 - $31.25 Hourly

Description

Summary: Responsible for investigating, evaluating, negotiating, and settling moderate to complex casualty claims—including auto liability, farm and ranch liability, and homeowners liability—within assigned settlement authority and under general supervision. Delivers prompt, fair, and customer-focused claim service while building and maintaining strong relationships with policyholders, claimants, legal representatives, and internal stakeholders.

Essential Duties and Responsibilities

• Conduct thorough investigations of liability claims involving bodily injury and/or property damage, including obtaining recorded statements, medical documentation, police reports, photographs, accident diagrams, witness information, and expert opinions when necessary.
• Assess legal liability by reviewing coverage terms, policy language, and endorsements. Consult legal and regulatory resources to interpret liability exposures, statutes, and precedents relevant to various liability claims.
• Determine claim compensability and prepare detailed denial letters or reservations of rights, ensuring compliance with regulations and standards.
• Evaluate damages by analyzing medical bills, treatment notes, lost wage documentation, and property repair estimates. Apply policy limits, deductibles, depreciation, and negligence principles to determine settlement values.
• Negotiate settlements with claimants, attorneys, or other parties, ensuring compliance with fair claims practices.
• Maintain accurate claim documentation, correspondence, and system notes, reflecting strategy, reserves, and actions.
• Collaborate with defense counsel and monitor litigated claims, assisting with discovery and trial prep as needed.
• Recommend and secure settlement authority for cases exceeding personal limits, providing summaries and justifications.
• Close claims efficiently, ensuring timely payments and resolutions in line with guidelines and regulations.
• If remote, maintain a suitable home workspace and adhere to the Telecommuting Agreement.

Authority: Handles claims within a personal authorization limit, exercising independent judgment and initiative within established procedures and legal principles.

Promotional potential: May be offered as Senior Claims Representative with compensation ranging from $25.00 to $46.15 per hour, based on experience and qualifications.

Qualifications

Education and Experience: Bachelor's Degree or equivalent professional experience. Preferably, candidates will have about three years of experience managing complex claims with minimal supervision.

Knowledge and Skills:

• Excellent communication skills, both written and verbal.
• Proficiency with internet applications, spreadsheets, and word processing software.
• Strong organizational skills.
• Ability to perform accurate calculations involving discounts, interest, and percentages.
• Ability to interpret policy language, liability, and negligence law; conduct research as needed.
• Understanding claim valuation, procedures, and legal requirements for proper handling.
• Experience with claim systems and documentation preparation.
• Maintaining acceptable attendance per company policy.

Professional Expectations: Work independently with supervision, accountable for outcomes. Maintain professionalism and effective communication, especially with upset individuals, to resolve disputes and represent the company positively.

Physical Requirements: May include standing, walking, sitting, lifting up to 25 pounds, and other activities. Accommodations available for disabilities. Noise level is moderate.

Equal employment opportunity statement.