Casualty Claim Specialist - Florida at Auto Club Group (ACG)

Job description

Job Type: Full time Exempt/Non Exempt: Salary Job Description: *** Must Reside within 50 miles from Tampa, Florida*** Location Details: Hybrid – Tampa, Florida Position Schedule / Shift: Monday-Friday 8am-5pm ET Position Summary: As a Pre-Litigation Bodily Injury Adjuster , you will be at the forefront of resolving complex injury claims and delivering meaningful outcomes for customers during some of life's most challenging moments. In this highly impactful role, you will investigate, evaluate, negotiate, and resolve bodily injury claims before litigation, leveraging your expertise. This position offers an exciting opportunity to make informed decisions, manage a dynamic caseload, and play a key role in achieving exceptional claim results through proactive engagement and strategic claim handling. Key Responsibilities: In this position, you will have the opportunity to: Reviewing assigned claims Contacting the insured and other affected parties Setting expectations for the remainder of the claim process Initiating documentation in the claim handling system Complete complex coverage analysis Ensure all possible policyholder benefits are identified Create additional sub-claims if needed Complete an investigation of the facts regarding the claim to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim. Evaluate the financial value of the loss. Approve payments for the appropriate parties accordingly. Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit). Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system. Utilize strong negotiating skills. Qualifications: Required Education (including minimum education and any licensing/certifications): In states where an Adjuster’s license is required, the candidate must have a Florida State Adjuster License. Degree in Business Administration, Insurance or a related field or the equivalent in related work experience A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members. Experience: Three years of experience or equivalent training in the following: negotiation of claim settlements securing and evaluating evidence preparing manual and electronic estimates subrogation claims resolving coverage questions taking statements establishing clear evaluation and resolution plans for claims Knowledge and Skills: Advance knowledge of: Fair Trade Practices Act as it relates to claims Subrogation procedures and processes Intercompany arbitration Handling simple litigation Advance knowledge of: Negligence Law No-Fault Law medical terminology and human anatomy Skills: handle claims to the line Claim Handling Standards follow and apply ACG Claim policies, procedures and guidelines work within assigned ACG Claim systems including basic PC software perform basic claim file review and investigations demonstrate effective communication skills (verbal and written) demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns analyze and solve problems while demonstrating sound decision-making skills prioritize claim related functions process time sensitive data and information from multiple sources manage time, organize and plan workload and responsibilities research analyze and interpret subrogation laws in various states travel outside of assigned territory which may involve overnight stay relocate, work evenings or weekends Preferred Education: Associate degree in Business Administration, Insurance or a related field or the e