Claims Examiner- Personal Lines
USLI, Boise, ID, United States
Job Title: Claims Examiner – Personal Lines
Key Responsibilities
Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimer and reservation of rights letters as necessary.
Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection.
Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process.
Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share.
Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop.
File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management.
Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters.
Cross‑team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products.
What You’ll Bring
Problem‑solving skills: Analytical and creative problem‑solving capabilities with a focus on liability and damage evaluation.
Communication: Strong oral and written communication skills to effectively interact with all stakeholders.
Negotiation expertise: Assertive decision‑making with effective negotiation and conflict management skills.
Organization: Strong organizational and time‑management skills to manage multiple priorities efficiently.
Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes.
Qualifications
2+ years of relevant experience for Associate Claims Examiner.
7+ years of relevant experience for Claims Examiner.
Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles.
Personal lines experience: Experience in personal lines claims handling is preferred.
Liability and jurisdiction knowledge: Multi‑jurisdictional experience and advanced degrees or JD are a plus.
Position affords 5 days per month to work remotely.
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Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimer and reservation of rights letters as necessary.
Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection.
Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process.
Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share.
Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop.
File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management.
Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters.
Cross‑team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products.
What You’ll Bring
Problem‑solving skills: Analytical and creative problem‑solving capabilities with a focus on liability and damage evaluation.
Communication: Strong oral and written communication skills to effectively interact with all stakeholders.
Negotiation expertise: Assertive decision‑making with effective negotiation and conflict management skills.
Organization: Strong organizational and time‑management skills to manage multiple priorities efficiently.
Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes.
Qualifications
2+ years of relevant experience for Associate Claims Examiner.
7+ years of relevant experience for Claims Examiner.
Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles.
Personal lines experience: Experience in personal lines claims handling is preferred.
Liability and jurisdiction knowledge: Multi‑jurisdictional experience and advanced degrees or JD are a plus.
Position affords 5 days per month to work remotely.
#J-18808-Ljbffr