Bilingual Auto Desk Adjuster; Hybrid

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Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office.

Applicants beyond fifty (50) miles may still be considered.

• Utilizes working knowledge and skills developed through formal training to investigate, confirm coverage, determine liability, establish damages, and negotiate settlements of auto claims, which includes single and multi-vehicle losses with basic coverage and moderate complexity of liability.

• Utilizes a broad understanding of claims adjusting to apply skills and knowledge to investigate and determine liability for claims with basic coverage issues and moderate to complex liability issues. Performs in-depth investigation and analysis on losses such as multi-vehicle losses with comparative negligence. Completes investigation by securing recorded statements of the drivers, police reports vehicle photos and estimates, and scene investigations.
• Makes same-day contact with customers. Explains the claims process to all customers. Explains all applicable coverage benefits to the policyholder. Confirms facts of loss. Determines vehicle location and if drivable. Offers vehicle repair and rental service options to customers. Coordinates auto physical damage estimate through the proper internal method of inspection and arranges for the release of vehicles that are accruing storage fees.
• Proactively investigates and determines coverage for Auto policy claims with coverage issues requiring in-depth investigation including but not limited to if the policy is out of force for the date of loss, unlisted or permissive drivers, excluded drivers, vehicles not on the policy, rideshare involvement, material misrepresentation issues, and new business investigations.
• Maintains ownership of the claim and completes work with a limited degree of supervision. Serves as the primary point of contact through resolution of all exposures. Communicates and collaborates with other claim specialists to facilitate claim resolution for customers. Provides verbal and written communication to customers to explain coverage issues and decisions.
• Communicates policy risk issues to Underwriting to facilitate their evaluation of the policy risk and exposure. Escalates complex coverage issues to supervisor.
• Demonstrates proficient knowledge and application of venue laws for all states handled in the Region. Analyzes duties owed and breached by all potentially responsible parties and determines liability percentage for each party. Escalates claims with exposures exceeding financial authority to supervisor. Communicates liability decisions to customers, claimants, claim specialists, and Underwriting. Recognizes subrogation potential and makes referrals to the Subrogation department when appropriate.
• With limited supervision and support, investigates and recognizes all potential claim exposures. Recognizes and escalates non-auto property…