Liability Adjuster II

AssuranceAmerica; Alabama; On-site; USD 120,000 - 135,000; Full time

Benefits offered by this job

Premium healthcare plans

401(k) Employer Match

Paid Time Off (PTO)

Job summary

A reliable insurance company is seeking a Liability Adjuster II to manage a caseload of complex liability and coverage claims in Alabama. This mid-senior level position requires excellent communication and negotiation skills, along with prior experience in handling auto claims. The company offers comprehensive benefits including healthcare, 401(k) match, and various time off options.

Qualifications

• Minimum three years of experience handling auto claims.
• Minimum of two years of experience handling complex liability and coverage issues.

Responsibilities

• Manage a caseload of complex liability and coverage claims.
• Conduct thorough investigations and evaluations of claims.
• Negotiate timely and appropriate settlements.

Skills

Excellent communication skills

Attention to detail

Motivation and team orientation

Education

Bachelor’s degree or equivalent

Job description

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About The ROLE

The Liability Adjuster II is responsible for managing a caseload of complex liability and coverage claims, including those involving minor bodily injuries. This role requires the execution of thorough investigations to gather all necessary facts, along with a strong understanding of policy language to ensure accurate and timely coverage and liability determinations. While working with a degree of autonomy, the Adjuster will collaborate with their supervisor for guidance on more nuanced or high-exposure cases.

• Conduct thorough investigations and evaluations of coverage, liability, and damages across all lines of personal automobile insurance.
• Accurately assess exposure and evaluate injury claims in a fair, consistent, and equitable manner based on the facts and extent of damages.
• Negotiate timely and appropriate settlements, ensuring all required documentation is obtained to support proper claim resolution and closure.
• Manage low-complexity, attorney-represented injury claims with sound judgement and attention to detail, maintaining compliance with internal guidelines and industry standards.
• Control expenses and adhere to company reserving philosophy by maintaining proper reserves on all pending claims/potential exposures.
• Meet and maintain general file handling goals and procedures as outlined by the company including maintaining a 1:1 closing ratio and status on diary reviews.
• Properly utilize underwriting and policy systems and understand its features and functionality, as needed.
• Attend any available seminars and classes applicable to this position and the skills required to meet the job duties and responsibilities.
• Continually ask questions and have a desire to develop additional skills to better investigate and evaluate claims.

About YOU

• Excellent communication skills with demonstrative ease with both verbal and written formats.
• Attention to detail and ability to multi-task.
• A high degree of motivation and team orientation.
• Direct, results driven, and dedicated to the success of the business and each other.

Required

• Minimum three years of experience handling auto claims.
• Minimum of two years of experience handling complex liability and coverage issues and unrepresented bodily injury cases.

Preferred

• Bachelor’s degree or equivalent.
• Non-standard experience.
• Adjuster’s license in relevant state or the ability to obtain one quickly.
• Bilingual (English-Spanish).

Physical Requirements

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.
• Must be able to navigate various departments of the organization's physical premises.

About Us

• We are direct, results-driven, and dedicated to the success of our business and each other.
• We are a diverse group of thinkers and doers.
• We offer many opportunities to grow in your professional skills and career.
• We fight homelessness by directing 5% of our earnings from each policy we sell to organizations that help those in need. We call it our Generous Policy.

What We Offer

• AssuranceAmerica provides these benefits to Associates:
• Premium healthcare plans: All full-time Associates and part-time Associates working a regular schedule of 30 hours, or more, are eligible for benefits including Medical, Dental, Vision, Voluntary Life, Flexible Spending Accounts, and a Health Savings Account.
• Employer Paid Benefits: We enroll all eligible Associates in Group Life and AD&D Insurance, Short- and Long-Term Disability Plans, Employee Assistance Program, Travel Assist, and the Benefit Resource Card which includes Teladoc, Pet Insurance and Health Advocate.
• Additional Benefits:
• 401(k) Employer Match: We want to help you prepare for the future, now. All full-time and part-time Associates over age 21 are eligible to participate in the 401(k) Savings Plan. AssuranceAmerica will match 100% of the first 4% of an Associate’s contributions.
• Engagement Events. We make time for fun activities that strengthen Associate relationships in all our locations.
• Annual Learning Credit: Want to learn something new? We'll reimburse you for approved educational assistance.
• Time Off:
• Paid Time Off (PTO), Parental Leave Pay, Volunteer Time Off (VTO), Bereavement Pay, Military Leave Pay, and Jury Duty Pay.

YOU’RE INVITED TO APPLY We believe the right fit is more important than a checklist. If you have most of what we’re looking for in this role and our culture and mission speak to you, contact us. We want to hear from you!

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance and Sales

Industries

• Insurance

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