Claims Examiner I
General and Professional Liability:
- Manage, evaluate and resolve lower severity third party bodily injury, including professional liability, and property damage claims.
Claims Examiner II
General and Professional Liability:
- Manage, evaluate and resolve lower severity third party bodily injury and property damage claims.
Essential Functions
Essential functions may include, but are not limited to the following:
- Communicate regularly and effectively with members to obtain claim information and provide updates.
- Perform timely coverage analysis based on policy information and facts or allegations of each case.
- Investigate each claim to determine the extent of liability, damages, and contribution potential.
- Take necessary statements (recorded); completes outside investigation as needed per case specifics.
- Maintain claim files and documents claim file activities in accordance with established protocols, guidelines, procedures, and metrics.
- Establish and maintains proper loss, indemnity and expense reserves.
- Recommend, attend, and/or present at claims roundtable for collaboration of technical expertise.
- Manage the resolution of assigned claims by negotiating disposition of claims with insureds and claimants or their legal representatives.
- Attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
- Manage the coordination of outside resources, including vendors, adjusters and attorneys.
- Identify and assist in pursuing fraud and subrogation opportunities.
- Work with other examiners in oversight or team handling situation or assignments.
- Provide consulting and training resources for internal sales and business partners.
- Understand principles and practices of insurance claims examination.
- Understand policy and contract coverage.
- Demonstrate empathy to those who suffered a loss.
- Ability and flexibility to work longer hours when workload fluctuations occur.
- Ability to handle large volumes of work in a short period of time.
- Research and stay up-to-date with trends and changes in the claims/insurance industry.
- Appropriately deal with information that is considered personal and confidential.
- Obtain and use sensitive information discreetly and objectively, both internal and external.
- Communicate effectively with others (oral and written).
- Analyze complex issues and make critical decisions.
- Correct English usage, spelling, grammar, vocabulary and punctuation.
- Maintain records, prepare reports and conduct correspondence related to the work.
- Interpret and apply laws, rules and regulation, as well as policy and contract coverage.
- Determines when to escalate concerns to the appropriate level of management.
- Follow oral and written directions.
- Work effectively with others in a team environment.
- Contribute effectively to the accomplishment of team or work unit goals, objectives and activities.
- Establish and maintain effective working relationships with those contacted in the course of work.
- Excellent customer service skills.
- Ability to organize and prioritize work.
- Work independently and demonstrate drive and initiative.
- Ability to meet definite deadlines and deal with pressure situations.
- Collect, interpret, and input data efficiently and accurately.
- Use computer and related software effectively.
- Use Microsoft Office programs efficiently and effectively.
Experience and Education Qualifications
Claims Examiner I
- High School Diploma or equivalent and 5 years of related experience; or
- Associate’s Degree or equivalent and 3 years of related experience; or
- Bachelor’s Degree
Claims Examiner II
- High School Diploma or equivalent and 7 years of related experience; or
- Associate’s Degree or equivalent and 5 years of related experience; or
- Bachelor’s Degree and 3 years of related experience; or
- Master’s Degree
Special Requirements, Licenses and Certificates
- All levels - Texas Claims Adjuster License (or obtained within 6 months of hire)
- One of the following industry related certifications; AIC (Associate in Claims), ARM (Associate in Risk Management), ARe (Associate in Reinsurance), CLS (Claims Law Specialist), CLA (Claims Law Associate), or SCLA (Senior Claims Law Associate)