Farmers Insurance is looking for an Auto Desk Adjuster to join our team. You will be responsible for investigating, confirming coverage, determining liability, establishing damages, and negotiating settlements for auto claims. These include single and multi-vehicle losses with basic coverage and moderate complexity of liability. At Farmers, we're a team with a passion for purpose and making a real difference in people's lives.
What You'll Do
- Investigate and determine liability for auto claims with basic coverage issues and moderate to complex liability.
- Perform in-depth investigation and analysis on losses, including multi-vehicle accidents with comparative negligence.
- Complete investigations by securing recorded statements, police reports, vehicle photos, estimates, and scene details.
- Make same-day contact with customers to explain the claims process and applicable coverage benefits.
- Confirm facts of loss, determine vehicle location and drivability, and offer repair and rental service options.
- Coordinate auto physical damage estimates through internal inspection methods and manage vehicle releases.
- Proactively investigate and determine coverage for claims requiring in-depth analysis.
- Maintain ownership of the claim, serving as the primary point of contact through resolution with limited supervision.
- Communicate and collaborate with other claim specialists to facilitate customer claim resolution.
- Communicate policy risk issues to Underwriting and escalate complex coverage matters.
- Demonstrate proficient knowledge and application of venue laws for all states handled.
- Analyze duties owed and breached by potentially responsible parties to determine liability percentages.
- Recognize subrogation potential and make referrals to the Subrogation department.
- Investigate and recognize all potential claim exposures, escalating non-auto property damage issues.
- Resolve auto physical damage claims proactively, securing estimates of damages in a timely manner.
- Write, review, and adjust auto physical damage estimates for vehicles with minor to moderate damages.
- Issue and authorize claim payments and explain the repair process and estimates to customers.
- Manage rental claims through communication with customers, repair facilities, rental vendors, and specialists.
- Proactively manage and mitigate vehicle storage costs.
- Coordinate with auto physical damage and total loss specialists to facilitate claim resolution.
- Maintain an active diary and resolution plan on open files, handling them in regulatory compliance.
- Ensure professional correspondence is sent to customers, including claim status updates.
What We're Looking For
- High school diploma or equivalent.
- Demonstrated customer service skills.
- Effective conflict management skills.
- Strong verbal communication and listening skills.
- Strong written communication skills, with the ability to convey critical decisions and information through letters.
- Excellent judgment and decision-making skills.
- Effective negotiation skills.
- Flexibility to work in a fast-paced, dynamic environment.
- Demonstrated problem-solving skills.
- Ability to perform work independently with minimal supervision.
- Strong technical aptitude; proficiency in Microsoft Office products and adaptability to new technology.
- Insurance Adjusters License in states where applicable (required; completion during training is contingent if not already held).
Nice to Have
- Bachelor's degree.
Technical Stack
- Microsoft Office
Benefits & Compensation
- Competitive salary commensurate with experience, qualifications, and location.
- Bonus Opportunity (based on Company and Individual Performance).
- 401(k).
- Medical, Dental, and Vision coverage.
- Health Savings and Flexible Spending Accounts.
- Life Insurance.
- Paid Time Off.
- Paid Parental Leave.
- Tuition Assistance.
Compensation: $25.37 - $36.48 per hour plus annual bonus.
Work Mode
This is a hybrid position based in one of the following locations: Kansas City, Grand Rapids, St. Louis, or Oklahoma City.
Farmers Insurance is an equal opportunity employer.
