Senior Auto Claim Examiner

Chubb; Phoenix (AZ); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive compensation and bonuses

Medical, dental, and vision coverage

HSA and FSA options

Generous PTO and paid holidays

Up to 9% 401(k)

Job summary

Chubb seeks an experienced Auto Claims Adjuster in the United States with locations in Phoenix, AZ and Alpharetta, GA. You will manage auto claims including property damage, liability inquiries, rental management, and related coverages, while ensuring fair claims practices and exceptional client service.

Responsibilities include reviewing contract language for coverage, investigating losses, establishing reserves, negotiating settlements, and mentoring junior adjusters as needed.

Qualifications

• A minimum of 2 years of auto claims experience including complex coverage and liability investigations.
• Bachelor’s Degree or equivalent practical experience is required.
• Strong understanding of insurance contracts, investigative methodologies, and regulations.

Responsibilities

• Review and evaluate coverage issues based on contract language.
• Develop claims files through investigation and loss analysis.
• Maintain diaries and establish reserves for claims.
• Negotiate settlements and manage vendor relationships.

Skills

Customer Service

Investigation

Negotiation

Reserving

Team Leadership

Communication

Attention to Detail

Education

Bachelor’s Degree or equivalent

Tools

Claims software

Job description

At Chubb, our mission is to provide superior insurance solutions that foster resilience and security for our clients. We strive to be the preferred choice for individuals and businesses seeking comprehensive coverage and unmatched service.

Join Chubb for a rewarding career where our core values—excellence, integrity, and respect—guide every decision we make. Be a part of a dynamic team that is dedicated to protecting what matters most and making a positive difference in the lives of our clients and communities. Together, let's shape a safer, more secure world.

Overview: We are seeking an experienced Auto Claims Adjuster who will be responsible for managing auto claims, including property damage, liability inquiries, rental management, and other relevant coverages. The successful candidate will demonstrate strong analytical skills and an ability to ensure fair claims practices while providing exceptional service to our clients.

Locations: We are seeking candidates in Phoenix, AZ and Alpharetta, GA

Key Responsibilities:

• Review and evaluate contract language to discern coverage issues effectively.
• Develop claims files through accurate and timely investigation and loss analysis.
• Maintain a detailed file diary to facilitate swift resolution of claims.
• Establish and monitor accurate reserves for each claim.
• Identify and pursue recovery opportunities where applicable.
• Comply with all statutory and regulatory fair claims practices.
• Recognize and assess potential fraudulent claims.
• Manage relationships with outside vendors efficiently regarding their work product and associated expenses.
• Evaluate claim details critically and negotiate settlements effectively.
• Build and maintain strong business relationships with both internal teams and external customers.
• Act as a technical resource for less experienced adjusters on the team, providing guidance and support.
• Contribute to the achievement of team goals, objectives, and overall results.
• Assist with workload surges and catastrophe operations as needed, including potential overtime during designated events.

Qualifications

Experience & Education Requirements:

• A minimum of 2 years of experience in handling auto claims, including complex coverage and liability investigations.
• A Bachelor’s Degree or equivalent practical experience is required.
• Comprehensive understanding of insurance contracts, investigative methodologies, legal requirements, and relevant insurance regulations.
• Proven ability to collaborate effectively within teams and interact with diverse individuals.
• Strong analytical aptitude for evaluating and interpreting information

Desired Skills:

• Exceptional Customer Service Abilities: Demonstrated commitment to providing top-notch service to clients, ensuring their concerns are addressed promptly and professionally. Ability to manage difficult conversations with empathy and clarity while maintaining a positive rapport.
• Proficiency in Investigation Techniques: Strong understanding of investigative methodologies, including how to gather, analyze, and interpret relevant information to assess claims accurately. Familiarity with evidence collection processes and conducting interviews to establish facts.
• Strong Organizational and Time Management Skills: Proven ability to manage multiple claims simultaneously, prioritizing tasks effectively to meet deadlines. Ability to maintain detailed and organized claim files that facilitate quick reference and decision-making.
• Excellent Verbal and Written Communication Skills: Ability to articulate complex ideas clearly and concisely in both verbal and written formats. Proficient in drafting comprehensive reports and correspondence that comply with legal and company standards, ensuring clear communication with clients, colleagues, and vendors.
• Skilled in Negotiation and Reserving Processes: Demonstrated proficiency in negotiating settlements that are fair and equitable for all parties involved. Strong understanding of reserve setting and management to ensure appropriate claim funding throughout the process.
• Innovative Thinking and Problem-Solving Capabilities: Ability to think creatively when faced with challenges, developing effective strategies to resolve issues and optimize claims processes. Comfortable making independent decisions in high-pressure situations, while also recognizing when to seek guidance from senior team members.
• Attention to Detail: A meticulous approach to reviewing contracts, claim details, and documentation, ensuring accuracy and compliance with industry standards. Strong ability to identify potential discrepancies or coverage gaps that may impact the claims process.
• Adaptability and Stress Management: Capable of maintaining effectiveness in rapidly changing environments, particularly during workload surges or crisis situations. Ability to remain calm and make informed decisions under pressure, contributing to efficient operations during catastrophic events.
• Team Collaboration and Leadership: Proven ability to work effectively within a team, fostering a collaborative environment. For senior candidates, the ability to provide mentorship and technical guidance to junior adjusters, enhancing the overall skill set of the team.
• Technological Proficiency: Familiarity with claims management software and other relevant technology tools that aid in the claims investigation and resolution process. Willingness to learn new systems and leverage technology to improve efficiency and effectiveness.

Licensure Requirement: If you do not already have one, you will be required to obtain an applicable resident or designated home state adjusters license and possibly additional state licensure.

Company Benefits Highlights:

At Chubb, we provide our employees with best-in-class benefits to support their physical, emotional, and financial goals and well-being. We foster a collaborative and inclusive culture with the flexibility to support our employees' needs. Our comprehensive benefits package includes:

• Competitive compensation and performance-based bonuses
• Medical, dental, and vision coverage starting on your first day of employment
• Health savings account (HSA) and flexible spending account (FSA) options
• Generous paid time off (PTO)
• 10 paid holidays each year
• Up to 9% 401(k) contribution from Chubb
• Tuition and education reimbursement to support lifelong learning
• Professional training and development programs
• Stock options for eligible employees

About Us

Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.

Job Info

• Job Identification 34044
• Job Schedule Full time
• Regular or Temporary Regular
• Job Category Claims Center Adjusting
• Business Unit United States
• Legal Employer ACE American Insurance Company