We are Farmers!
We are… more than just your favorite commercials. At Farmers, we strive to deliver peace of mind to our customers by providing protection and comprehensive advice and delivering in the moments of truth. That means having people who can help us meet changing customer and business needs. Farmers high-performance culture is focused on results and the people who achieve them. We hold ourselves and others accountable for sustainably growing the business and each other. We seek solutions, own our actions, and grow through discomfort. We see setbacks as opportunities while continuously asking ourselves how we impact our customers.
Farmers is an award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture! To learn more about our high-performance culture and open opportunities, check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok.
Workplace: Hybrid ( #LI-Hybrid )
Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.
Job Summary
Proactively investigates, confirms coverage, determines liability, evaluates damages, and negotiates settlement of Tier 3 auto physical damage and bodily injury claims with exposures that include but are not limited to $150,000 requiring in-depth investigation, analysis, evaluation, and negotiation skills. Maintains ownership of claim through resolution of all exposures. Serves as the primary point of contact for customers throughout the claims process. Communicates and collaborates with other claim specialists to facilitate claim resolution for customers.
Standard Business Hours: Monday-Friday 8am-4:30pm. Paid, eight week training program begins at 8am PST.
Essential Job Functions
Makes same day contact with customers. Explains the claims process to all customers. Explains all applicable coverage benefits to the policyholder. Confirms facts of loss. Determines vehicle location and if drivable. Offers vehicle repair and rental service options to customers. Arranges for auto physical damage estimate through proper method of inspection. Arranges for release of vehicles that are accruing storage fees. Arranges for in-person meeting with injured unrepresented claimants based on the needs of the claim. Investigates and determines coverage for Auto policy claims with coverage issues requiring in-depth investigation including but not limited to policy out of force for the date of loss, unlisted or permissive drivers, excluded drivers, vehicle not on the policy, r ideshare involvement, material misrepresentation issues, and new business investigations. Escalates coverage issues requiring in-depth policy interpretation to supervisor. Provides verbal and written communication to customers to explain coverage issues and decis ions. Communicates policy risk issues to Underwriting to facilitate their evaluation of the policy risk and exposure. Investigates and determines liability for claims requiring in depth investigation and analysis including multi vehicle auto losses with comparative negligence. Completes investigation by securing recorded statements of the parties, police report, vehicle photos and estimates, scene investigations, and other supporting evidence. Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party. Communicates liability decision to customers, claimants, claim specialists, and Underwriting. Recognizes subrogation potential and makes referrals to Subrogation department when appropriate. Investigates and recognizes all potential claim exposures. Investigates and evaluates injury exposures for all alleged injury claims. Escalates claims with exposures exceeding financial authority and Tier 3 complexity criteria to Supervisor. Resolves auto physical damage claims proactively and accurately. Secures estimate of damages timely through appropriate repair channel. Coordinates and collaborates with auto physical damage and total loss specialists to facilitate claim resolution for customers. Explains repair process and estimate to customers. Manages rental claims through communication with customers, repair facilities, rental vendors, and claim specialists. Proactively manages and mitigates storage costs. Issues and authorizes claim payments to customers and repair facilities. Resolves injury claims proactively and accurately. Types of injury exposures investigated include but are not limited to exposures up to $150,000, allegations of soft tissue injury, fracture, dislocation, ligament injuries, herniated disc and nerve injuries. Completes injury investigation by securing recorded statements of injured parties, meeting in person with injured parties as necessary, obtaining signed medical authorizations, and requesting medical bills and records. Analyzes and evaluates injury causation for all alleged injuries. Evaluates bodily injury claims early and throughout the life of the claim including assessment of medical damages, wage loss, and general damages. Evaluates, sets, and updates case reserve amount for all injury exposures throughout the life of the claim. Negotiates settlement of bodily injury claims directly with unrepresented claimants and with represented claimants’ attorneys. Secures signed release of claims and issues payment upon final settlement. Communicates with insured throughout the claim to
Physical Actions
Sits or stands for extended periods of time, up to a full work shift. Occasionally reaches overhead and below the knees, including bending, twisting, pulling, and stooping. Occasionally moves, lifts, carries, and places objects and supplies weighing 0-10 pounds without assistance. Listens to, interprets, and differentiates auditory information (e.g. others speaking) at normal speaking levels with or without correction. Visually verifies and reads information. Visually locates material, resources and other objects. Ability to continuously operate a computer for extended periods of time, up to a full work shift. Physical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.
Physical Environment
This position operates in an open office working environment which will include normal and customary distractions, noise, and interruptions.
Education Requirements
High school diploma or equivalent required. Bachelor’s degree preferred.
Experience Requirements
Minimum of 1 year Bodily Injury Claims handling experience preferred. Prior work experience with demonstrated customer service and time management skills is preferred. Basic customer service skills. Proficient critical thinking, time management, analytical, and negotiation skills. Proficient in use of computer, internet, and Microsoft office applications. Successful completion of on-the-job training requirements.
Benefits
- Farmers offers a competitive salary commensurate with experience, qualifications and location.
o CA Only: $66,560 - $84,600
o CO Only: $55,000 - $73,100
o HI Only: $54,800 - $78,300
o IL Only: $54,800 - $78,300
o NY Only: $58,500 - $82,500
o Albany County: $58,500 - $73,100
o WA Only: $67,725 - $97,875 - Bonus Opportunity (based on Company and Individual Performance)
- 401(k)
- Medical
- Dental
- Vision
- Health Savings and Flexible Spending Accounts
- Life Insurance
- Paid Time Off
- Paid Parental Leave
- Tuition Assistance
Job Location(s): US - AZ - Phoenix-2400, R_US - United States
Tentative Posting Expiration Date: 1/31/24
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