Casualty Claims Adjuster ( Auto Physical Damage)

The Casualty Claims Adjuster is responsible for handling minor to moderately complex Casualty claims (Auto and General Liability) across multiple lines of business, including Personal, Farm, and Commercial lines. This role involves investigating, assessing, and resolving Casualty claims efficiently.

Primary Responsibilities

• Meet or exceed company standards for customer service, including frequent communication.
• Interpret and apply policy language accurately to claims resolutions.
• Handle minor to moderately complex Auto and General Liability claims, including property damage and injury.
• Investigate and determine liability on Casualty claims (Auto & General Liability).
• Evaluate, negotiate, and settle automobile total loss claims.
• Assess property damage, review auto damage appraisals, and ensure adherence to company guidelines.
• Evaluate and negotiate minor to moderately severe injury claims, including some attorney-represented cases.
• Establish timely and accurate reserves on claims.
• Draft proper written communications to insureds and agents, including Reservation of Rights and denial letters.
• Apply depreciation appropriately on claims.
• Utilize industry tools and software effectively.
• Build and maintain strong agency relationships.
• Investigate claims for potential fraud thoroughly.
• Investigate and pursue subrogation recovery.
• Maintain detailed file notes, photographs, and records as required.
• Oversee proper salvage disposition.
• Assign and monitor Independent Adjuster inspections as needed.
• Use company equipment properly.
• Perform other duties as assigned.

Minimum Qualifications

• Bachelor’s degree or equivalent insurance-related experience.
• Strong customer service focus.
• 2+ years of Auto and General Liability claims experience, including injury negotiations.
• Familiarity with auto damage repair estimates and total loss handling.
• Strong problem-solving and decision-making skills.
• Proficient in Microsoft Office.
• High organizational, reasoning, and listening skills.
• Ability to manage time effectively, work independently, and handle multiple tasks.
• Team-oriented and capable of building collaborative relationships.
• Strong written and verbal communication skills.
• Willingness to travel, work after regular hours, and participate in on-call rotations as needed.