Bodily Injury Claims Specialist

Job Description

Auto‑Owners Insurance is seeking a motivated individual to join our Claims department as a Bodily Injury Claims Representative. The position requires the person to work from home after initial in‑person training, with flexible time defined by leadership.

• Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, and make payments in accordance with coverage and liability determination.
• Study insurance policies, endorsements, and forms to develop an understanding of insurance coverage.
• Follow claims handling procedures and participate in claim negotiations and settlements.
• Deliver a high level of customer service to agents, insureds, and others.
• Devise alternative approaches to provide appropriate service, dependent upon the circumstances.
• Meet with people involved with claims, sometimes outside of the office environment.
• Handle investigations by telephone, e‑mail, mail, and on‑site investigations.
• Maintain appropriate adjuster’s license(s) if required by statute in the jurisdiction employed, within the time frame prescribed by the Company or statute.
• Handle complex and unusual exposure claims effectively through on‑site investigations and participation in mediations, settlement conferences, and trials.
• Handle confidential information according to Company standards and in accordance with any applicable law, regulation, or rule.
• Assist in the evaluation and selection of outside counsel.

• A minimum of three years of insurance claims related experience.
• The ability to organize and conduct an investigation involving complex issues and assimilate the information to reach a logical and timely decision.
• The ability to effectively understand, interpret and communicate policy language.
• Dissemination of appropriate claim handling techniques so that others involved in the claim process are understanding of issues.
• Ability to work in the U.S. without current or future sponsorship.

We offer a competitive base salary, matched 401(k), fully‑funded pension plan (once vested), bonus programs, generous paid time off including holidays, vacation days, personal time, and sick leave. In addition, structured training, mentoring, and a friendly work environment support career growth.

Auto‑Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.