Auto Physical Damage Claims Specialist
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Job Description
Auto Physical Damage Claims Specialist responsible for investigating automobile insurance claims remotely. Collaborating with clients and repair facilities to ensure accurate and timely claim resolution.
Responsibilities:
- Investigate automobile insurance claims to determine coverage, liability, and damages by reviewing policy terms, coverage limits, and exclusions.
- Communicate and collaborate with clients, claimants, agents, repair facilities, service providers, and attorneys to explain the repair and total loss processes.
- Appraise damaged vehicles and equipment using claims estimating software and prepare fair, accurate repair estimates virtually.
- Review and negotiate repair facility estimates; adjust supplements as necessary or assign independent adjusters when required.
- Manage the repair process from initiation through resolution and issue payments in accordance with authority guidelines.
- Complete total loss evaluations and explain salvage release requirements to clients and third-party claimants.
- Mitigate storage costs by coordinating vehicle transport to storage-free facilities and negotiating reduced rates with tow providers when applicable.
- Maintain accurate, thorough claim files, documentation, and activity logs in compliance with company procedures and regulatory standards.
- Identify potential subrogation opportunities, prepare supporting documentation, and submit demands to responsible parties or their carriers.
- Perform additional duties as assigned.
Requirements:
- High school diploma or equivalent required; some college coursework or insurance-related education preferred.
- Minimum of two to three (2-3) years of experience as a 1st party Auto Physical Damage Adjuster.
- Active Adjuster’s license(s) as required by state(s) of operation
- Commercial Trucking claims experience required.
- Preferred experience handling specialty or heavy equipment claims.
- Current technical knowledge of auto collision repair techniques and industry standards.
- Proficiency in one or more estimating platforms, including CCC One, Mitchell, and/or Audatex.
- Strong interpersonal, negotiation, and conflict resolution skills.
- Solid understanding of insurance claims concepts, practices, and procedures.
- Excellent organizational skills with strong attention to detail.
- Demonstrated commitment to customer service and professional communication.
- Proficiency with Microsoft Office applications, including Word, Outlook, and Excel.
Benefits:
- Medical, dental, and vision insurance
- 401(k) with company match
- Paid time off and holidays
- Professional development opportunities
- A supportive, collaborative work environment
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