Claims Specialist II, Auto Bodily Injury

Claims Specialist II, Auto Bodily Injury

131201

At Zurich North America Claims we acknowledge that work-life balance and flexibility are a priority when it comes to choosing a next career move. Designed with our employees' needs in mind, the ZNA Claims hybrid work model emphasizes flexibility, allowing claims employees to conduct individual work in their preferred location while facilitating in‑person connections and collaborative activities when meaningful and valuable.

While the model provides a high level of flexibility and autonomy, occasional circumstances requiring in‑office attendance should be expected.

The candidate selected for this opportunity should be able to report to one of our major claims hub offices in Atlanta, GA;
Addison, TX;
Overland Park, KS;
Schaumburg, IL or Gold River, CA on a hybrid work schedule. With moderate direction, handle commercial line auto claims of low to moderate complexity and exposure within specific authority limits. This includes auto property damage and injury claims both litigated and non‑litigated, uninsured and underinsured motorist claims. This role adheres to established claims‑handling protocols, delivering efficient, customer‑focused service.

Job Accountabilities:

• Document claims files by accurately capturing and updating claims data/information in compliance with best practices for low to moderate exposure and complexity personal or commercial line claims.
• Exercise judgment to determine liability by gathering and analyzing relevant facts; utilizing applicable law; establishing basic principles of negligence.
• Exercise judgment to determine policy verification and coverage determination by analyzing applicable coverage for claims and determining whether the loss falls within the coverage.
• Work to have a timely resolution to claims by developing a case strategy; developing a case evaluation; escalating issues as appropriate.
• Establish timely reserves and perform ongoing reviews throughout the claims cycle within authority limits by estimating and validating the value of claims.
• Assess damages by calculating applicable damages or the range of damages allowed by law.
• Negotiate settlement of claim by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits.
• Meet quality standards by following best practices.
• Ensure customer service by proactively communicating information; responding to inquiries; following customer protocols and may participating in customer marketing efforts.
• Manage expenses by working within vendor approved networks and managing scope of work assigned to outside contractors. Departs from approved vendors with manager approval, where in the best interests of the insured.
• Ensure legal compliance by following state and federal laws and regulations and internal control requirements.
• Refer claim to subrogation and fraud teams by identifying potential subrogation and fraud.
• Contribute to profitable growth by providing risk insight, information and trends to Business Unit or customer as needed.
• Protect Zurich’s reputation by keeping claims information confidential.
• Maintain professional and technical knowledge by participating in educational opportunities, staying current with industry trends, establishing personal networks. And participating in professional societies.

Basic Qualifications:

• Bachelor’s Degree and 3 or more years of experience in the Claims or Insurance area
  OR
• Zurich Certified Insurance Apprentice, including an Associate Degree and 3 or more years of experience in the Claims or Insurance area
  OR
• Completion of the Zurich Claims Training Program and 2 or more years of experience in the Claims or Insurance area
  OR
• High School Diploma or Equivalent and 5 or more years of experience in the Claims or Insurance area
  AND
• Must obtain and maintain required adjuster license(s)
• Knowledge of insurance regulations, markets, and products

Preferred Qualifications:

• 4+ years of experience working in auto claims
• 4+ years of experience handling bodily injury and litigated claims
• Experience working with uninsured and underinsured motorist coverage
• Effective verbal and written communication skills
• Strong analytical,…