Bodily Injury Claim Owner - SG 32 or 33 (based on experience)

Job Summary

What You'll Do

• Evaluates bodily injury claims promptly including assessment of medical and general damages and wage loss. Analyzes injury causation for all alleged injuries.
• Evaluates, sets, and updates case reserve amount for injury exposures throughout the life of the claim.
• Negotiates settlement of bodily injury claims with unrepresented claimants and with represented claimants attorneys.
• Recognizes and investigates all potential claim exposures, including injury exposures.
• Conducts investigations by obtaining recorded statements of involved parties.
• Collects police reports, scene inspections, signed medical authorizations, medical bills and medical records, and other supporting evidence.
• May conduct in-person or virtual meetings with customers based on claim needs.
• Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party.
• Communicates liability decisions to stakeholders including customers, claimants, claim specialists, and Underwriting.
• Recognizes subrogation potential and makes referrals to Subrogation department when appropriate.
• Communicates policy risk issues to Underwriting to facilitate evaluation of policy risk and exposure.
• Conducts material misrepresentation investigations and submits findings to Underwriting.
• Manages litigated claims by coordinating and collaborating with defense counsel to develop and implement litigation resolution strategies.
• Maintains active diary and resolution plan on open claim files.
• Handles and documents claim files in compliance with regulatory requirements.
• Authorizes and issues claim payments to customers, repair facilities, rental vendors, and others.
• Obtains signed release of claims and issues payment upon final settlement.
• Provides professional verbal and written communication to customers including claim status updates, coverage explanations and decisions, and correspondence such as Reservation of Rights and Disclaimer letters within prescribed authority limits.
• Communicates with insured throughout the claim process to keep them informed.
• Comprehensively assesses policy details to confirm coverage.
• Makes same-day contact with customers to explain the claim process and verify facts of loss.
• Explains coverage details to policyholders. 
• Performs other duties as assigned.

Work Location

• The following locations have Farmers Corporate offices.  If you are located within 50 miles of one of these locations you would be considered Hybrid: Phoenix, AZ; Englewood, CO; Olathe, KS; Grand Rapids, MI; St. Louis, MO; Troy, NY; Dayton, OH; Oklahoma City, OK; Warwick, RI; Dallas, TX.
  • Workplace: Hybrid (#LI-Hybrid)
  • 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.
• Open to remote candidates in Mountain, Central and Eastern Times Zones - Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin or Wyoming.

Physical Action & Environment

• Bending, Pulling, Sorting
• Carrying up to 20 lbs.
• Speaking, Reading, Writing (English)
• Climbing, Reaching, Standing, Pushing
• Required job duties are normally performed in a climate- controlled office environment, but with exposure to some or all of the following environments when in the field:
  • Uncontrolled outside environmental conditions
  • Excessive Noise Levels
  • Chemicals Chemical/Biological Conditions
  • Moving Mechanical Parts Areas considered dangerous
  • Conditions, which could affect the respiratory system or skin such as: fumes, odors, dust, mists, gases, oils, smoke, soot, or poor ventilation.

Education Requirements

• High School diploma or equivalent required.
• Bachelor's degree preferred.

Experience Requirements

• 3+ years of bodily injury experience is required.
• Successful completion of the Special Claims Representative Certification process required, including all prerequisites, required tool proficiencies (i.e. Xactimate, etc.) and exams.
  • External candidates have 90 days from date of hire to complete the process and should have a minimum of two years of prior claims experience.
• Candidate qualifications may be reviewed against requirements for the associated levels of this position's core function.  Salary grade will be based on selected candidates' experience and skills.

Special Skill Requirement

• Conflict resolution skills.
• Proven negotiation skills.
• Excellent interpersonal and communication skills.
• Excellent critical thinking skills.