Auto Liability Adjuster

About Embark

Embark is the smarter, next generation MGA, delivering turnkey insurance solutions to our carrier and distribution partners. Our depth of insurance expertise spans personal auto, personal and commercial property, and professional liability, serving both specialty and broad market opportunities. Led by industry veterans and trailblazers, we have over 150 team members located in offices in California, Georgia, Texas, and remote.

Founded in 2018, Embark is setting a new bar for the value an MGA can bring to agents, distributors, carriers, and reinsurers. We’re also where awesome colleagues and hard problems meet.

• Assume responsibility for property damage claims; including attorney represented and non-represented parties, for both first and third party claimants.
• Demonstrates a high level of investigation, analysis, evaluation and negotiation including interpretation of coverages.
• Adherence to proper procedures relating to inspection and evaluation of property damage claims and make recommendations for the disposition of claims in excess of individual settlement authority.
• Evaluate policy coverage, contact insureds, claimants, attorneys, body shops while determining and establishing reserve requirements.
• Document computer log with results of review and intentions for handling.
• Plan and conduct investigations (including but not limited to interviewing parties involved, collecting and evaluating documentation and securing evidence and protecting the chain-of-custody, determine inspection needs, order police reports, scene investigation, take witness statements, review material damage photos, etc.) to analyze coverage, determine liability, compensability, and extent of damages.
• Compile information for decision making with discussion of claims committee where appropriate.
• Maintain accurate records and handle administrative responsibilities associated with processing and payment of claims. Record and update status notes, and document results of contacts per Best Practices.
• Determine need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
• Respond timely and appropriately to all settlement demands.
• Keep internal and external customers advised of file status and other matters as required.
• Evaluate claim for potential fraud and work with Special Investigations Unit as required.
• Assess actual damages associated with claims and conduct negotiations to settle claims.
• Determine if subrogation exists and take steps necessary to initiate recovery efforts.
• Performs other duties as assigned

Qualifications

• Possesses strong customer service skills and behaviors.
• Makes decisions in an informed, confident and timely manner.
• Maintains constructive working relationships despite differing perspectives.
• Possesses strong organizational and time management skills.
• Ability to negotiate skillfully in difficult situations with both internal and external groups.
• Demonstrates strong written and verbal communication skills. Promotes and facilitates free and open communication.
• Understanding of applicable statutes, regulations and case law.
• Thinks critically and anticipates, recognizes, identifies and develops solutions to problems in a timely manner.
• Easily adapts to new or different changing situations, requirements or priorities.
• Cultivates an environment of teamwork and collaboration.

• Operates with latitude for un-reviewed action or decision.
• Computer experience (MS Office, excel, word, etc).
• Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits.

Years of Experience Requirements

• Minimum of two (2) year of auto property damage claims handling experience.

Education Requirements

• High school diploma or equivalent.
• College Degree preferred or equivalent experience.

Competencies Required

Possesses strong customer service skills and behaviors

Excellent verbal and written communication skills