Claims Adjuster I - Casualty (Auto)

Job Title: Claims Adjuster I - Casualty (Auto)

FLSA Status: Exempt

Job Family: Claims

Department: Casualty Claims

Location: Fort Wayne, IN (In-Office Position)

JOB SUMMARY
Responsible for effectively analyzing and resolving assigned claims consistent with Claims Department
standards and company objectives.

POSITION ESSENTIAL FUNCTIONS AND RESPONSIBILITIES
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential
functions.

• Resolve all assigned claims within established settlement authority in a prompt, fair and equitable
  manner. Identify and investigate coverage, damage, and reserve adequacy on assigned claims.
• Apply statutes, common law, and other applicable legal and regulatory concepts for the effective,
  efficient and equitable resolution of assigned claims.
• Achieves established claim file audit objectives.
• Communicate with policyholders, agents, claimants, attorneys, medical providers and other
  persons as needed and direct independent adjusters, appraisers and other support service
  providers to ensure effective, efficient, and equitable claims resolution.
• Acquire, record and maintain all essential file documentation in accordance with established
  guidelines.
• Provide timely status reports regarding assigned claims to Claim Department management and
  others.
• Identify and pursue appropriate cost containment, loss mitigation and subrogation recovery
  opportunities.
• Participate and provide input in departmental meetings or interdepartmental meetings, projects or
  processes that relate to the claims function.
• Travel as needed to attend training programs, conferences, mediations/other legal proceedings,
  and conduction of investigations relating to claims resolution.
• Further the attainment of overall Claim Department objectives by assisting other claims personnel
  as needed.
• Complete other projects as assigned.

POSITION RESPONSIBILITES (supplement to the Position Description)

• Handle a defined volume of auto claims daily, ensuring timely contact, investigation, and resolution.
• Conducts thorough investigations including liability determination, damage evaluation, and coverage analysis.
• Initiates prompt contact with all involved parties to gather facts and document statements.
• Reviews police reports, estimates, photos, and related documentation to assess damages and exposure.
• Maintains accurate and complete claim file documentation in accordance with guidelines.
• Communicates professionally with insureds, claimants, agents, repair facilities, and vendors.
• Establishes and updates reserves based on claim developments.
• Resolves claims within authority in a prompt, fair, and equitable manner.
• Identifies cost containment opportunities and subrogation potential.
• Coordinates with appraisers, repair facilities, and other service vendors.
• Provides timely updates and status reports to management.
• Meets file quality and audit expectations.
• Participates in meetings, training, and process improvement efforts.
• Assists team members and supports department objectives as needed.

ADDITIONAL SKILLS (supplement to the Position Description)

• Ability to analyze auto claims including liability and damages.
• Strong written and verbal communication skills.
• Ability to make independent decisions within authority levels.
• Strong organizational and time management skills.
• Ability to handle difficult or confrontational situations professionally.

KNOWLEDGE, SKILLS, AND ABILITIES
The requirements listed below are representative of the knowledge, skills, and/or abilities required to perform
each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.

• Must be able to effectively communicate with others (both oral and written).
• Must be able to make independent decisions.
• Must have strong interpersonal skills.
• Must demonstrate strong organizational skills.
• Must have the ability to handle confrontational situations in a productive manner.
• Must be able to access, input and retrieve information from a computer.
• Ability to sit for prolonged periods of time.
• Effectively interface with external contacts, Brotherhood employees, managers, and department
  staff members.

EDUCATION AND/OR EXPERIENCE
List Degree Requirement, Years' Experience, and Certifications
Education and/or Experience

• High School Diploma or equivalent required.
• Must be able to take and pass mandatory adjuster licensing requirements.
• Must have one to two years of general business, insurance, or related experience.
• Bachelor’s degree or equivalent work experience desired.
• AIC/CPCU or other insurance-related course work is desired.
• Experience in investigation, customer service, negotiation, and/or construction is desired.
• Experience in insurance, legal and/or medical knowledge is desired.

Terms and Conditions

This description is intended to describe the general content of and requirements for the performance of this position. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements.

Because the company’s niche is the church and related ministries market, and because effective service requires a thorough understanding of this market, persons in this position must be familiar with church operations and must conduct themselves in a manner that will neither alienate nor offend persons within this target niche.

Brotherhood Mutual Insurance Company reserves the right to modify, interpret, or apply this position description in any way the company desires. This job description in no way implies that these are the only duties, including essential duties, to be performed by the employee occupying this position. This position description is not an employment contract, implied or otherwise. The
employment relationship remains “at-will”.