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At Direct Auto Insurance, you can get the coverage you need, the services you want, and the respect you deserve, regardless of your insurance history.
That's because we believe each and every customer is equally important and valued. No matter the circumstances, we work with you to help determine the best policy for your needs, to find ALL the discounts you're entitled to, and to provide the great services you deserve. Read employee reviews here
(Trainee, I, II, Sr.) FL & Remote
***This position is open to remote candidates based on experience.***
Primary Purpose:
Studies and successfully completes the Claims Training Program including but not limited to company orientation, company prepared training programs, outside courses as deemed appropriate, and on-the-job training. There is close supervisory review of ongoing progress and results of work. Trainee will complete testing and evaluation as part of the trainee program.
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Learn to handle most aspects of auto claims
Develop a basic understanding of the content of policies written by the company
Develop a basic understanding of the insurance industry and the organizational relationships of the company
Develop a basic understanding of the functions of other departments, such as Policy Ops and Marketing
Learn how to determine subrogation or fraud potential and how to handle
Develop a basic understanding of systems and technology used within the company
Identify customer needs and works to meet those needs using appropriate customer service skills
Perform other projects and assignments as directed
Minimum Skills and Competencies:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor’s Degree or in-lieu of degree equivalent education, training and work-related experience
Successfully completes Claim Representative trainee program
Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
Obtaining/Maintaining appropriate licensing or educational requirements
Learn customer service and time management skills through training classes as part of the trainee program
Learn to recognize and identify all body parts of a vehicle and/or understanding other potential property damage
Develop understanding of claim policies & procedures; refers questions to supervisor
Learn to interpret and apply written coverage accurately to establish claim and determine an action plan
Develop ability to handle repair/replace decisions
Develop labor judgment skills and learn to complete simple estimates accurately
Learn to handle some comprehensive losses (theft, fire, and vandalism) with direction from more experienced personnel
Develop ability to handle injury claims and acquire a basic understanding of how to review, evaluate, and negotiate simple or basic injury claims
High degree of initiative, mature judgment, and discretion. Ability to resolve conflicts and empathize with customers is critical
Negotiation skills are important for resolving claims
Effective organization and time management skills with the ability to work under pressure and adhere to project deadlines
Gains a general understanding of insurance law as it relates to claims
(II, Sr.)-REMOTE
**Remote Candidates in FL and SE considered***
Primary Purpose:
Examines claims data, investigates the facts of loss, determines coverage and liability, and adjusts claims within limit of authority. Claims involved frequently require analysis and may require research to resolve coverage and/or damage issues. There is periodic review of ongoing activities and results of work. There is more focused supervision on complex files (The CRII will handle complex files on a regular basis).
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Receive claim assignments and verifies/investigates coverage and documents all appropriate information
Determine claim approval and or denial up to $7,500 per exposure or $10,000 per file
Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary; and review loss reserves and adjust or open hidden exposures as necessary
Evaluate and adjust claims within limit of authority
Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; documents all file activity and payment/settlement information in file notes clearly outlining basis for settlement
Determine subrogation or fraud potential and refer to Unit when potential exists or handles to conclusion
If handling PIP may participate in investigations of medical providers and attend EUOs
May work with attorneys in resolving lawsuits
Conduct negotiations and settlements within authority level, using independent judgment, or within discretionary levels granted above individual authority level
Track and document the quality of service provided by defense counsel and manage litigation and recovery costs
May assist in training of Claims Representatives
Perform other projects and assignments as directed
Is proficient in using all systems and technology used within the company
May be required to make personal appearances on behalf of the company when requested
Identify customer needs and works to meet those needs using appropriate customer service skills
Primary Purpose:
Responsible for creating an estimate of damages to 1st and 3rd party material damage, by reviewing photos received: via MyClaimPics, from the customer; from Copart Auto Auctions or from a third party vendor. Also responsible for focusing on the needs of loss participants, identifying customer needs, and working to meet those needs using appropriate customer service skills for internal (claims adjusters) and external (policy holders and claimants).
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Learn to handle most aspects of material damage claims with supervision
Develop a basic understanding of the content of all types of policies written by the company
Develop a basic understanding of the insurance industry and the organizational relationships of the company
Learn how to determine subrogation or fraud potential
Receive claim assignments and documents all appropriate information
Review photos thoroughly and determine reparability and complete assessment and or, total loss evaluation
Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; makes decisions on best option
When appropriate, make contact to discuss a settlement; extend an offer to the appropriate party; document all file activity and payment/settlement information in file notes clearly outlining the basis for settlement
Complete continued education with both companies required courses and additional outside courses
Take ownership of any issue, problem, or error that could potentially impact the policyholder and or loss participant
Complete accurate estimates with little supervision up to $2,000
Handle material damage and fair judgment in repair/replace decisions
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Receive claim assignments and verifies/investigates coverage and documents all appropriate information
Determine claim approval and or denial up to $7,500 per exposure or $10,000 per file
Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary; and review loss reserves and adjust or open hidden exposures as necessary
Evaluate and adjust claims within limit of authority
Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; documents all file activity and payment/settlement information in file notes clearly outlining basis for settlement
Determine subrogation or fraud potential and refer to Unit when potential exists or handles to conclusion
If handling PIP may participate in investigations of medical providers and attend EUOs
May work with attorneys in resolving lawsuits
Conduct negotiations and settlements within authority level, using independent judgment, or within discretionary levels granted above individual authority level
Track and document the quality of service provided by defense counsel and manage litigation and recovery costs
May assist in training of Claims Representatives
Perform other projects and assignments as directed
Is proficient in using all systems and technology used within the company
May be required to make personal appearances on behalf of the company when requested
Identify customer needs and works to meet those needs using appropriate customer service skills
Required Skills and Competencies:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor’s Degree or in-lieu of degree equivalent education, training and work-related experience
Successfully completes Claim Representative trainee program, or equivalent external training program
Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
Obtain/Maintain appropriate licensing or educational requirements
Demonstrate the capability of consistently handling aggregate file exposures of at least $2,500
Demonstrate proficiency in file audits to agreed standard of efficient claims quality
Has a solid command of the claims policies and procedures; exhibit basic interpretation of policies & procedures in resolving claims, but may still need some assistance from supervisor
Demonstrate the ability to interpret and apply written coverage accurately to establish claim and determine an action plan, and often requires assistance on more complex files
Demonstrate a solid understanding of the repair and replacement of property damages, to include mechanical components of a vehicle, homeowner damages and other potential exposures
For claims involving injuries, has solid understanding of how to review, evaluate, and negotiate injury claims
Demonstrate ability to handle litigation in accordance with company guidelines, and be able to recognize legal issues and will utilize ADR when appropriate
High degree of initiative, mature judgment, and discretion
Ability to resolve conflicts and empathize with customers is critical
Strong negotiation skills
Demonstrate professional oral and written communication skills
Organization and time management skills are critical for this position
Demonstrate an understanding of insurance law as it relates to claims
Begin to develop effective leadership skills in order to mentor other adjusters, function as a team leader, handle projects, etc.
Primary Purpose:
Examine claims data, investigate the facts of loss, determine coverage and liability, and adjusts claims within limit of authority.
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary, may review loss reserves and adjust or opens hidden exposures as necessary
Evaluate and adjust claims within limit of authority and summarize claims in excess of authority and submit to manager for approval
Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement
Determine subrogation or fraud potential and refer to Unit when potential exists or handle to conclusion
Identify customer needs and work to meet those needs using appropriate customer service skills
Develop an understanding of the functions of other departments, such as Policy Ops and Marketing
Trainee
Shadow and learn the above stated essential duties and responsibilities
Learn to handle most aspects of auto claims
Develop a basic understanding of the content of policies written by the company
Develop a basic understanding of the insurance industry and the organizational relationships of the company
Learn how to determine subrogation or fraud potential and how to handle
Develop a basic understanding of systems and technology used within the company
Level I
Receive claim assignments and verify/investigate coverage and document all appropriate information before the Manager is involved with the review of claims to ensure they are commensurate with the ability
May handle more complex files with appropriate supervision to develop skills
Develop a working knowledge of systems and technology used within the company
Level II
Receive claim assignments and verifies/investigate coverage and document all appropriate information
Determine claim approval and or denial up to $7,500 per exposure or $10,000 per file
If handling PIP may participate in investigations of medical providers and attend EUOs
May work with attorneys in resolving lawsuits
Conduct negotiations and settlements within authority level, using independent judgment, or within discretionary levels granted above individual authority level
Track and document the quality of service provided by defense counsel and manage litigation and recovery costs
May assist in the training of Claims Representatives
Proficient in using all systems and technology used within the company
May be required to make personal appearances on behalf of the company when requested.
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