Claims Adjuster

As a Commercial Auto Adjuster, you will be responsible for investigating, evaluating, and settling commercial auto insurance claims in a timely and accurate manner. Your expertise in assessing damages, determining liability, negotiating settlements, and account management will be crucial in ensuring excellent customer service and maintaining strong relationships with clients. Responsibilities: Claim Investigation: Conduct thorough investigations of commercial auto insurance claims, including gathering necessary information, reviewing policy coverage, and inspecting damaged vehicles. Assess the extent of damages, evaluate liability, and determine if further investigation is required. Interview involved parties, witnesses, and experts to gather relevant facts and information. Claim Evaluation: Analyze policy terms and conditions to determine coverage and liability. Evaluate damages based on vehicle inspections, photographs, repair estimates, and other relevant documentation. Apply knowledge of industry standards, local regulations, and company guidelines to make accurate claim assessments. Negotiation and Settlement: Communicate with policyholders, claimants, attorneys, and other involved parties to negotiate fair and prompt settlements. Handle complex negotiations, addressing any disputes or challenges effectively. Ensure settlements are within authorized limits and in compliance with company guidelines and state regulations. Documentation and Reporting: Prepare comprehensive claim reports, including investigation findings, evaluation of damages, liability determination, and recommended settlements. Maintain accurate and up-to-date claim files, documenting all actions taken, correspondence, and pertinent information. Utilize claim management systems to log, track, and update claim information. Customer Service and Relationship Management: Provide exceptional customer service by promptly responding to inquiries, addressing concerns, and keeping clients informed throughout the claims process. Build and maintain strong relationships with policyholders, agents, and other stakeholders. Collaborate with other departments, such as underwriting and legal, to ensure efficient claims handling and resolution. Account Management: Serve as a primary point of contact for insureds, providing excellent customer service and building strong relationships. Conduct regular communication with insureds to address their needs, provide updates on claim progress, and ensure their satisfaction. Collaborate with insureds to gather necessary documentation, such as police reports, medical records, and repair estimates. Educate insureds on policy coverage, claims process, and any applicable deductibles or limitations. Proactively identify opportunities to enhance insureds' experience and provide value-added services. Assist insureds in understanding and complying with any necessary claim requirements, including submitting required forms and documentation. Act as a trusted advisor to insureds, guiding them through the claims process and offering support and guidance. Requirements: Experience as an auto adjuster, preferably with experience in commercial. Holds an Independent Adjuster License. Strong knowledge of commercial auto insurance policies, coverage, and regulations. Excellent investigative and analytical skills, with the ability to assess damages accurately. Proficient in negotiating and settling claims, including handling complex negotiations. Strong written and verbal communication skills, with the ability to explain technical concepts to non-technical individuals. Detail-oriented, with exceptional organizational and time management skills. Ability to work independently and efficiently in a fast-paced environment. Proficient in using claim management systems and other relevant software. Valid driver's license and willingness to travel for inspections, if required.