Insurance Claims Adjuster - Auto & Personal Lines

Placements24; Stellenbosch; Hybrid; ZAR 360,000 - 480,000; Full time

Benefits offered by this job

Salary

Bonuses

Medical aid

Retirement fund

Hybrid work

Professional development

Stellenbosch team

Job summary

Placements24 is seeking a diligent Insurance Claims Adjuster for a reputable insurer in Stellenbosch, Western Cape. The role focuses on investigating auto and personal lines claims, assessing damages, and negotiating settlements with fairness and empathy.

Interview claimants and witnesses, analyze policy coverage, inspect property, and maintain detailed claim files. FAIS accreditation is advantageous; 3–5 years’ experience and MS Office proficiency are expected.

Qualifications

• Matriculation certificate required; FAIS accreditation advantageous.
• 3–5 years of experience as a Claims Adjuster, auto and personal lines.
• Strong investigative, analytical, and negotiation skills.
• Proficiency in claims management software and MS Office.
• Knowledge of Western Cape insurance landscape is a plus.

Responsibilities

• Investigate and assess auto and personal property claims.
• Interview claimants, witnesses, and parties to gather details.
• Analyze policy coverage and determine liability based on evidence.
• Inspect damaged property to estimate repair costs and value.
• Negotiate settlements with claimants and third parties.
• Authorize payments within established guidelines.
• Maintain accurate claim files and communications.
• Ensure compliance with South African insurance regulations and procedures.
• Respond to claimant inquiries promptly and professionally.
• Identify subrogation opportunities and potential fraud indicators.

Skills

Investigative skills

Analytical thinking

Negotiation

Communication

Education

Matriculation Certificate

FAIS accreditation

Tools

MS Office

Claims management software

Job description

About the Role

Our client, a reputable insurance provider, is seeking a diligent and customer-oriented Insurance Claims Adjuster to join their team in Stellenbosch, Western Cape. This role is crucial in managing and settling claims for automobile and personal lines policies, ensuring fair and timely resolutions for policyholders. You will be responsible for investigating claims, determining liability, assessing damages, and negotiating settlements. The ideal candidate possesses strong analytical skills, excellent communication abilities, and a thorough understanding of auto and personal property insurance. This hybrid position offers a balance between office-based collaboration in Stellenbosch and remote flexibility, catering to professionals who value both teamwork and autonomy. We are looking for an individual committed to providing exceptional service and upholding our client's values within the Western Cape region. Your ability to handle sensitive situations with empathy and efficiency will be key to success.

Key Responsibilities

• Investigate and assess insurance claims related to auto accidents and personal property damage.
• Interview claimants, witnesses, and other parties to gather detailed information.
• Analyze policy coverage and determine liability based on evidence and policy terms.
• Inspect damaged property (vehicles, homes, etc.) to estimate repair costs and actual cash value.
• Negotiate settlements with claimants and relevant third parties.
• Authorize payments for approved claims within established guidelines.
• Maintain accurate and comprehensive claim files, documenting all activities and communications.
• Ensure compliance with South African insurance regulations and company procedures.
• Respond to claimant inquiries promptly and professionally.
• Identify potential subrogation opportunities and potential fraud indicators.

Requirements

• Matriculation Certificate required; relevant insurance certifications (e.g., FAIS accreditation) are highly advantageous.
• Minimum of 3-5 years of experience as a Claims Adjuster, specifically handling auto and personal lines claims.
• Thorough understanding of auto insurance policies, repair processes, and personal property coverages.
• Strong investigative, analytical, and negotiation skills.
• Excellent communication and interpersonal skills, with the ability to empathize with claimants.
• Proficiency in claims management software and MS Office Suite.
• Ability to manage a caseload efficiently and meet deadlines.
• Familiarity with the Western Cape region and its specific insurance challenges is a plus.
• A commitment to providing excellent customer service.
• Willingness to conduct on-site inspections as needed within the Stellenbosch area.

Benefits

• Competitive salary package based on experience.
• Performance-based bonuses.
• Medical aid and retirement fund contributions.
• Opportunities for professional development and advanced training.
• Hybrid work model offering flexibility and work-life balance.
• A collaborative and supportive team environment in Stellenbosch, Western Cape.
• Exposure to diverse claims scenarios.