Remote Bodily Injury Claims Handler: Investigate & Settle

Auto-Owners Insurance; Saint Cloud (MN); Hybrid; USD 66,000 - 96,000; Full time

Benefits offered by this job

401(k) match

Pension plan

Medical insurance

Dental insurance

Vision insurance

Life insurance

Flexible spending accounts

Paid time off

Job summary

Auto-Owners Insurance seeks a Bodily Injury Claims Representative in our Claims department to assemble facts, determine coverage, and evaluate loss while delivering exceptional service to agents, insureds and others.

After training, you may have merit-based option to work-from-home time as defined by leadership. The role requires at least three years of claims experience and strong ability to interpret policy language, negotiate settlements, and manage complex investigations.

Qualifications

• A minimum of three years of insurance claims related experience.
• The ability to organize and conduct an investigation involving complex issues and assimilate the information to reach a logical and timely decision.
• The ability to effectively understand, interpret and communicate policy language.
• The dissemination of appropriate claim handling techniques so that others involved in the claim process are understanding of issues.

Responsibilities

• Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, make payments in accordance with coverage, damage and liability determination, and perform other functions or duties to properly adjust the loss.
• Study insurance policies, endorsements, and forms to develop an understanding of insurance coverage.
• Follow claims handling procedures and participate in claim negotiations and settlements.
• Deliver a high level of customer service to our agents, insureds, and others.
• Meet with people involved with claims, sometimes outside of our office environment.
• Handle investigations by telephone, email, mail, and on-site investigations.
• Maintain appropriate adjuster’s license(s), if required by statute in the jurisdiction employed, within the time frame prescribed by the Company or statute.
• Handle complex and unusual exposure claims effectively through on-site investigations and through participation in mediations, settlement conferences, and trials.

Skills

Investigation

Policy language understanding

Claims handling

Negotiation

Communication

Job description

Auto-Owners Insurance seeks a Bodily Injury Claims Representative in our Claims department to assemble facts, determine coverage, and evaluate loss while delivering exceptional service to agents, insureds and others.

After training, you may have merit-based option to work-from-home time as defined by leadership. The role requires at least three years of claims experience and strong ability to interpret policy language, negotiate settlements, and manage complex investigations.