Auto Liability Claims Adjuster
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Job Description
Auto liability claims adjuster investigating, evaluating, and resolving personal auto liability claims for Patriot MGA. Applying state laws, determining liability, and managing claims through resolution.
Responsibilities:
- Investigate auto liability claims by reviewing statements, police reports, photographs, witness accounts, and other supporting documentation
- Analyze accident facts and applicable state laws to determine liability and comparative negligence
- Make timely, well-supported liability decisions and clearly document the rationale in the claim file
- Manage an assigned inventory of claims from initial investigation through resolution or transfer to the appropriate claims specialist
- Identify potential bodily injury exposure, recognize coverage concerns, and escalate complex or high-exposure claims when appropriate
- Communicate professionally and effectively with insureds, claimants, attorneys, and other involved parties
- Evaluate liability disputes, conflicting statements, and evidence to determine appropriate claim handling strategies
- Maintain accurate and timely claim notes, diaries, follow-ups, and action plans
- Monitor pending claims and maintain consistent follow-up to prevent unnecessary delays
- Recognize potential fraud indicators, coverage issues, and subrogation opportunities and refer them for appropriate handling
- Adhere to applicable state claim-handling requirements, regulatory deadlines, company procedures, and settlement authority guidelines
- Meet established performance standards for inventory management, file quality, timeliness, and claim resolution
- Work collaboratively with bodily injury adjusters, supervisors, and management to ensure appropriate claim outcomes
Requirements:
- Minimum of 3 years of auto liability claims handling experience; 5 or more years preferred
- Experience in an MGA, carrier, or insurance claims administration environment
- Active adjuster licenses in applicable states, or the ability to obtain required licenses
- Demonstrated experience investigating auto accidents and making liability determinations
- Working knowledge of negligence, comparative negligence, and personal auto liability claim handling
- Strong analytical, investigative, organizational, and decision-making skills
- Excellent written and verbal communication skills
- Ability to manage competing priorities and maintain an organized claim inventory
- Proficiency with claims management systems and Microsoft Office
- Ability to work independently while recognizing when supervisory guidance or additional authority is required
Benefits:
- competitive pay
- bonus plan
- medical, dental, and vision insurance with no waiting period
- generous paid time off in year of hire
- 401(k) with employer matching
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