Bodily Injury Claims Adjuster- Englewood, Colorado

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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.

Location: This position is currently open to applicants residing in Colorado only

Workplace: 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 our Englewood, CO office. Applicants beyond fifty (50) miles who reside in Colorado may still be considered and if selected would be classified as remote.

Job Summary

This position handles Tier 3 mid-loss auto policy claims requiring in-depth claim investigation, coverage confirmation, damage assessment, liability determination, and settlement negotiation. The role owns the entire claim process and serves as the primary point of contact to facilitate claim resolution. This position uses in-depth expertise to manage claim scenarios such as multi-vehicle auto losses with comparative negligence and bodily injury losses pertaining to soft tissue injury, fracture, dislocation, ligament injury, herniated disc and nerve injuries. Works within prescribed authority to proactively and accurately resolve claims. Escalates claims with exposures exceeding financial authority, Tier 3 complexity, or requiring advanced policy interpretation to supervisor.

Essential Job Functions

• Evaluates bodily injury claims promptly including assessment of medical and general damages and wage loss.

• Analyzes injury causation for all alleged injuries.

• Evaluates, sets, and updates case reserve amount for injury exposures throughout the life of the claim.

• Negotiates settlement of bodily injury claims with unrepresented claimants and with represented claimants attorneys.

• Recognizes and investigates all potential claim exposures, including injury exposures.

• Conducts investigations by obtaining recorded statements of involved parties.

• Collects police reports, vehicle photos, scene inspections, signed medical authorizations, medical bills and medical records, and other supporting evidence.

• May conduct in-person or virtual meetings with customers based on claim needs.

• Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party.

• Communicates liability decisions to stakeholders including customers, claimants, claim specialists, and Underwriting.

• Recognizes subrogation potential and makes referrals to Subrogation department when appropriate.

• Communicates policy risk issues to Underwriting to facilitate evaluation of policy risk and exposure.

• Conducts material misrepresentation investigations and submits findings to Underwriting.

• Maintains active diary and resolution plan on open claim files.

• Handles and documents claim files in compliance with regulatory requirements.

• Authorizes and issues claim payments to customers, repair facilities, rental vendors, and others.

• Obtains signed release of claims and issues payment upon final settlement.

• Provides professional verbal and written communication to customers including claim status updates, coverage explanations and decisions, and correspondence within prescribed authority limits.

• Communicates with insured throughout the claim process to keep them informed.

• Comprehensively assesses policy details to confirm coverage.

• Makes same-day contact with customers to explain the claim process and verify facts of loss.

• Explains coverage details to policyholders.

• Determines vehicle location and condition.

• Secures timely auto physical damage estimates via proper inspection method and repair channel.

• Explains repair process and estimates to customers and offers repair and rental service options.

• Proactively manages and mitigates storage costs and arranges release of vehicles accruing storage fees.

• Coordinates with auto physical damage and total loss specialists to facilitate claim resolution.

• Completes assigned training and activities to develop the knowledge, skills and abilities required to complete the job duties.

• Performs other duties as assigned.

Education Requirements

High School Diploma or equivalent required. Bachelors degree preferred. Completion of, or actively pursing a major insurance designation, or actively pursuing insurance related courses.

Experience Requirements

Minimum one year of experience in customer service required. Minimum one year of experience in claims adjusting or related field preferred.

Physical Actions

This role, whether performed virtually or in an office setting, will include normal and customary distractions, noise, and interruptions. 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 (example 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.

Benefits

• Farmers offers a competitive salary commensurate with experience, qualifications and location.

o CO Only: $24.72- $35.57 per hour

• 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

• For more information, review "What we offer" on https://www.farmers.com/careers/corporate/#offer

Job Location(s): Englewood, Colorado

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

Want to learn more about our culture & opportunities? Check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok.