Claims Examiner - Auto Bodily Injury

Job Summary

The Bodily Injury Claims Examiner will manage a caseload of medium volume moderate severity commercial automobile insurance claims under a moderate level of supervision.  Job functions include the following:  Analyzing insurance claims to determine applicable coverage; Analyzing claims to determine the extent of insured’s or insurer’s liability; Reviewing and evaluating damages and determining strategies for resolution.   Settling claims in accordance with policy provisions and within an authority level. The Claims Examiner will engage in verbal and written communication with claimants, attorneys, and policyholders.  The Claims Examiner will ensure that all state claims handling requirements are met and internal guidelines are followed. The Claims examiner will handle claims in accordance with established James River Claims Best Practices. 

Duties and Responsibilities •

• Continuously exhibit and uphold Core Values of Integrity, Accountability, Communication and Teamwork, Innovation and Customer Service •
• Perform coverage, liability, and damage analysis on all claims assignments
• •Investigate allegations and determine facts based on evidence and interviews of parties with knowledge
• •Draft disclaimers and reservation of rights letters as soon as coverage issues are identified •
• Assign limited task based investigations and appraisals to independent licensed insurance professionals in close proximity to where the claim occurred
• •Negotiate settlements, mitigate losses, and control expenses within authority •
• Manage litigated files in accordance with Litigation Management Guidelines •
• Refer litigation matters to defense counsel and/or to coverage counsel with approval of Claims Manager •Maintain a high level of communication internally with Claims Manager and team members as well as externally with insureds, claimants, attorneys and broker

Knowledge, Skills and Abilities

• •Excellent written and oral communication skills
• •Strong analytical skills •
• Strong negotiation skills •
• Ability to work independently with moderate level of supervision •
• Excellent organizational skills
• •Proficient computer skills •
• Ability to work in a team environment and take directions from a Claims Manager
• •Ability to work within a specific authority on assignments with a moderate technical complexity and exposure •
• Functional knowledge and skills reflective of a fully competent Claims handler
• Ability to successfully obtain the required state adjusters’ licenses within six (6) months following the completion of Company-provided licensure training courses and maintain appropriate licensure thereafter. 

Experience and Education

• Four year college degree preferred •
• One to three years of claims handling experience •
• Experience negotiating bodily injuries claims
• Experience in working with liability coverage issues
• •Multi-jurisdictional claims experience •
• Adjuster license and/or certifications desired but not required