Commercial Represented/Litigation Adjuster - Remote/Homebased Worker

Job Summary

Allstate Insurance Company has an exciting opportunity for a Commercial Represented/Litigation Adjuster!

Under limited supervision, this job is responsible for investigating complex commercial auto or property claims when an attorney is representing the injured party which typically will include bodily injury uninsured or underinsured motorist (UM/UIM) claims in single or multi car accidents in which commercial policy holders are involved. The individual also handles claims involved in litigation, arbitration or mediation, coordinating with legal counsel and participating in depositions, hearings, trial, or arbitrations. The individual takes recorded statements, resolves loss of use claims, issues payments to appropriate parties, and negotiates and settles or refers bodily injury issues that cannot be resolved. The individual delivers compassionate service that is fast, fair, and easy, to ensure customer retention while analyzing coverage, investigating and determining liability, reviewing and determining damages, and negotiating and settling complex claims. The individual provides work guidance and direction to less senior employees and provides mentoring and coaching to the team. The individual works independently, prioritizing the individual's own responsibilities, and managing the individual's own workload. The individual also consistently meets band level behaviors, production, quality, and/or customer service goals.

Key Responsibilities

Customer Service

• Makes and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met
• Researches and responds to complex customer communications, concerns, conflicts or issues
• Reviews customer satisfaction results; participates in determining necessary personal and business unit action plans

File Documentation and Reporting

• Summarizes documents and enters into claim system notes
• Documents a claim file with notes, evaluations and decision making process

Coverage, Liability and Evaluation

• Determines and explains minimum coverage limits in moderately complex and occasionally complex commercial policy claims involving single or multiple claimants 
• Sets initial reserve, updates reserve, documents rationale and claim summary notes
• Obtains photos and/or conducts scene investigation
• Takes recorded statements from claimants, insured’s, witnesses, medical providers, etc., conducts investigations into complex auto and property accidents involving commercial policy holders, determines liability, and prepares summaries
• Evaluates and determines potential use of experts; reviews reports and participates in selecting the expert
• Determines claim value
• Reviews file to identify complex potential legal issues

Negotiation and Settlement Guidance

• Negotiates and settles claims in accordance with business unit best practices
• Reviews medical reports in preparation for claims settlement evaluation

Other Projects and Responsibilities

• May participate in one or more complex special assignments
• May serve as a committee team lead for medium-sized projects or as a committee team member on large projects
• May serve as a subrogation or arbitration panelist
• Participates in targeted reviews
• May participate in oversight activities
• Researches, responds to, or participates in Department of Insurance complaints or investigations
• May assist or participate in Telephone Alert Conferences regarding complex claims referred to Home Office
• Assists in reviewing files and making recommendations to refer files to Home Office for escalation
• Assists in researching or responding to or resolving complex compliance issues

Compensation Data

The salary range for this position is $57,500-$78,400.

A $1000 sign on bonus is applicable for this posting for all candidates who have a resident Property and Casualty License or a Designated Home State License in Florida or Texas.

Job Qualifications

As a condition of employment, your office/area may require you to obtain an adjuster and/or an appraiser license.

• If required, the hiring manager will work with you along with the centralized licensing team to ensure that you are properly licensed.

This position is not available for California residents.

• 3 years of represented claims handling experience is required
• 1 years of litigation claims handling is preferred 
• High School Diploma/GED is required
• Bachelors degree in related field preferred or equivalent experience
• Ability to interact effectively, and coach others on interacting effectively, with internal or external customers and act with empathy
• Applies broad knowledge of insurance policy, coverage, and regulation
• Applies broad knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standards
• Applies broad industry knowledge to discipline practices, including best practices, to support the business unit
• Applies broad knowledge of analytical procedures to reconcile, manipulate, and recognize patterns of data
• Applies broad knowledge of problem solving and preparation of reports for analysis
• Applies broad ability to leverage learned technical skills in support of team objectives
• Applies broad negotiation and/or arbitration skills
• Applies broad conflict management and problem resolution skills in managing internal and external customer relationships
• Applies broad problem solving skills to continuously improve business outcomes
• Applies broad knowledge of training facilitation and coaching skills
• Ability to investigate, evaluate, negotiate and settle complex claims
• Provides broad individual decision making within authority limits
• Has and maintains all appropriate licenses and registrations for the role per state requirements