Claims Representative I - Auto

Claims Representative I - Auto

NM Honolulu, HI, US

Salary Range: $45,000.00 To $60,000.00 Annually

The Auto Claims Adjuster I is responsible for the end-to-end management of personal auto claims with a focus on analytical evaluation, strategic negotiation, and resolution. Operating with a high degree of autonomy and discretion, this role supports the company’s claims operations by applying specialized knowledge and judgment to complex claim scenarios.

• Claims Evaluation and Resolution (60%)
  • Independently investigates, evaluates, and resolves personal auto claims, including those involving disputed liability and multi-vehicle accidents.
  • Exercises discretion in determining claim strategy, settlement authority, and negotiation approach.
  • Analyzes coverage, liability, and damages to develop resolution plans aligned with company policies and legal standards.
  • Negotiates subrogation recoveries with other carriers and third parties.
  • Establishes and adjusts reserves and authorizes payments within designated authority.
  • Coordinates with internal and external stakeholders to ensure timely and accurate claim resolution.
• Strategic Communication and Documentation (25%)
  • Communicates complex claim decisions and strategies to policyholders, agents, and other involved parties in a clear and professional manner.
  • Maintains detailed and accurate documentation of claim activities, including investigative findings, evaluations, recommendations, and resolutions.
  • Prepares reports and summaries for management review and contributes to process improvement initiatives.
• Customer Experience and Relationship Management (15%)
  • Provides high-level customer service by managing expectations, resolving escalations, and ensuring a positive claims experience.
  • Serves as a resource for agents and policyholders, offering guidance on claims processes and coverage interpretation.
  • Promotes a service-oriented culture and supports departmental goals through collaboration and knowledge sharing.

• Bachelor’s degree or equivalent experience in insurance, business, or a related field required.
• Prior experience in auto claims adjusting preferred.
• An equivalent combination of education and job-related experience will be considered.