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Virtual Bodily Injury Liability Adjuster - West Zone


We are Farmers!

We are… more than just your favorite commercials. We are a passionate, award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture! We are Farmers!


Do you thrive in a high-volume, fast-paced environment? Do you enjoy the challenge of a position where no two days are alike? We are looking for positive, high-energy professionals who are not just looking for a job, but a meaningful career!


We are looking for customer service focused individuals to build a rewarding long-term career with us as a Bodily Injury Liability Claims Adjuster!


The candidate for this position must live in the West Zone of United States.


If you are looking for the following in your next career move:

  • Paid training through the award winning and industry leading University of Farmers.
  • Flexibility and independence to work outside the confines of a desk job.
  • Total Rewards benefits package, 401K, and a competitive starting salary.
  • Rapid growth potential and management opportunities for success-oriented people through education, mentorship programs, and inspirational leadership at a company you can be proud of.


Then Farmers Insurance is the place for you!


Our Claims Adjusters will:

  • Investigates, confirms coverage, determines liability, establishes damages, reports status and negotiates the settlement of assigned cases in a supervised learning environment.
  • Has authority to make payment of assigned claims within prescribed limits, with supervisory review and approval.
  • Use claims handling software and laptop to determine claims related bodily injury in a paperless environment
  • Represents the Company from a public relations standpoint and must conduct oneself as a member of Management at all times.
  • Use strong customer service skills to negotiate with policyholders to settle the claim.


If you have the following:

  • High School diploma or equivalent required. Bachelor’s degree preferred.
  • Excellent customer service and communication skills.
  • Eagerness to learn about insurance policies and bodily injury claims from the inside out to identify how coverage applies to a particular loss.
  • Outgoing personality that would enjoy interacting with a wide variety of people including policyholders, claimants, agents, witnesses, and fraud investigators.
  • Valid driver's license.   


Candidates must be willing and able to:

  • Travel within the assigned territory 


Physical Actions 

Bending Pulling Sorting Carrying up to 20 lbs. Pushing Speaking (English) Climbing Reaching Standing Key entering Reading (English) Walking Kneeling Seeing Writing (English)  


Physical Environment 

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.


Experience Requirements

  •  Customer service experience, preferably in a retail environment
  • Candidate qualifications may be reviewed against the requirements for the associated levels of this position's core function
  • Must achieve minimum passing score on all claims training exams


Bilingual candidates will be eligible to earn additional multilingual pay!


Special Skill Requirement 


  • Excellent communication skills – both written and oral
  • Computer skills - MS Word, Excel, Outlook
  • Proficiency with smartphones and applications
  • Valid driver's license 




  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
  • Bonus Opportunity (based on Company and Individual Performance)
  • 401(k)
  • Medical
  • Dental
  • Vision
  • Health Savings and Flexible Spending Accounts
  • Life Insurance
  • Paid Time Off
  • Paid Parental Leave
  • Tuition Assistance
  • For more information, review “What we offer” on

Job Summary

Proactively investigates, confirms coverage, determines liability, evaluates damages, and negotiates settlement of Tier 3 auto physical damage and bodily injury claims with exposures that include but are not limited to $150,000 requiring in-depth investigation, analysis, evaluation, and negotiation skills. Maintains ownership of claim through resolution of all exposures. Serves as the primary point of contact for customers throughout the claims process. Communicates and collaborates with other claim specialists to facilitate claim resolution for customers.

Essential Job Functions

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. Arranges for auto physical damage estimate through proper method of inspection. Arranges for release of vehicles that are accruing storage fees. Arranges for in-person meeting with injured unrepresented claimants based on the needs of the claim. Investigates and determines coverage for Auto policy claims with coverage issues requiring in-depth investigation including but not limited to policy out of force for the date of loss, unlisted or permissive drivers, excluded drivers, vehicle not on the policy, r ideshare involvement, material misrepresentation issues, and new business investigations. Escalates coverage issues requiring in-depth policy interpretation to supervisor. Provides verbal and written communication to customers to explain coverage issues and decis ions. Communicates policy risk issues to Underwriting to facilitate their evaluation of the policy risk and exposure. Investigates and determines liability for claims requiring in depth investigation and analysis including multi vehicle auto losses with comparative negligence. Completes investigation by securing recorded statements of the parties, police report, vehicle photos and estimates, scene investigations, and other supporting evidence. Analyzes duties owed and breached by all potential responsible parties and determines liability percentage for each party. Communicates liability decision to customers, claimants, claim specialists, and Underwriting. Recognizes subrogation potential and makes referrals to Subrogation department when appropriate. Investigates and recognizes all potential claim exposures. Investigates and evaluates injury exposures for all alleged injury claims. Escalates claims with exposures exceeding financial authority and Tier 3 complexity criteria to Supervisor. Resolves auto physical damage claims proactively and accurately. Secures estimate of damages timely through appropriate repair channel. Coordinates and collaborates with auto physical damage and total loss specialists to facilitate claim resolution for customers. Explains repair process and estimate to customers. Manages rental claims through communication with customers, repair facilities, rental vendors, and claim specialists. Proactively manages and mitigates storage costs. Issues and authorizes claim payments to customers and repair facilities. Resolves injury claims proactively and accurately. Types of injury exposures investigated include but are not limited to exposures up to $150,000, allegations of soft tissue injury, fracture, dislocation, ligament injuries, herniated disc and nerve injuries. Completes injury investigation by securing recorded statements of injured parties, meeting in person with injured parties as necessary, obtaining signed medical authorizations, and requesting medical bills and records. Analyzes and evaluates injury causation for all alleged injuries. Evaluates bodily injury claims early and throughout the life of the claim including assessment of medical damages, wage loss, and general damages. Evaluates, sets, and updates case reserve amount for all injury exposures throughout the life of the claim. Negotiates settlement of bodily injury claims directly with unrepresented claimants and with represented claimants’ attorneys. Secures signed release of claims and issues payment upon final settlement. Communicates with insured throughout the claim to keep them informed as to injury claim status. Maintains active diary and resolution plan on open files. Manages 80-100% of an average tier 3 workload of auto physical damage and injury exposures. Handles and documents files in compliance with regulatory requirements. Responsible for making sure appropriate and professional correspon

Physical Actions

Physical Environment

Education Requirements

High school diploma or equivalent required. Bachelor’s degree preferred.

Experience Requirements

Prior work experience with demonstrated customer service and time management skills is preferred. Basic customer service skills. Proficient critical thinking, time management, analytical, and negotiation skills. Proficient in use of computer, internet, and Microsoft office applications.

Special Skill Requirement

Additional Qualification

Job Location(s): US - OR - Remote, US - CA - Remote, US - AZ - Remote, US - CA - Agoura Hills, US - CA - Alameda-1751, US - CA - Bakersfield, US - CA - Brea, US - CA - Brea-Imperial, US - CA - Burbank, US - CA - Calabasas, US - CA - Camarillo, US - CA - Carlsbad, US - CA - Chico, US - CA - Chino, US - CA - Citrus Heights, US - CA - Concord, US - CA - Daly City, US - CA - Fresno, US - CA - Fresno-7108 N, US - CA - Fresno-Marks, US - CA - Fresno7040, US - CA - Glendale, US - CA - Irvine-2030Main, US - CA - Irvine-V Karman, US - CA - LA-4601Wilshire, US - CA - LA-4680Wilshire, US - CA - LA-4700Wilshire, US - CA - LA-4750Wilshire, US - CA - LA-811Wilshire, US - CA - LA-Figueroa, US - CA - LA-Flower, US - CA - La Mirada, US - CA - Lancaster, US - CA - Long Beach, US - CA - Long Beach-Arpt, US - CA - Long Beach-PCH, US - CA - LongBch-3780, US - CA - Manteca, US - CA - Martinez, US - CA - Merced-87 W, US - CA - Merced-Collins, US - CA - Milpitas, US - CA - Modesto, US - CA - Monrovia, US - CA - Murrieta, US - CA - Northridge, US - CA - Oakland, US - CA - Oakland-14th, US - CA - Ontario, US - CA - Orange, US - CA - Orange-S Anita, US - CA - Pasadena, US - CA - Pleasanton, US - CA - Pomona, US - CA - Poway, US - CA - Rancho Cordova, US - CA - Rancho Cucamong, US - CA - Rancho Mirage, US - CA - Redlands, US - CA - Riverside, US - CA - Roseville, US - CA - Rvrsd-1450 Iowa, US - CA - SDiego-MiraMesa, US - CA - SDiego402BrdWay, US - CA - SDiego501BrdWay, US - CA - Sacramento, US - CA - Sacramento-KSt, US - CA - Salinas, US - CA - San Bernardino, US - CA - San Brnrdno-275, US - CA - San Francisco, US - CA - San Marcos, US - CA - SanDiego-A St, US - CA - SanDiego-Carmno, US - CA - SanDiego-Carrol, US - CA - SanDiego-Cnrstn, US - CA - SanDiego-Skypk, US - CA - SanDiego-WestC, US - CA - SanFran-2nd St, US - CA - SanJose-Almaden, US - CA - SanJose-N 1st, US - CA - SanJose-Saratga, US - CA - Santa Ana, US - CA - Santa Clarita, US - CA - Santa Maria, US - CA - Santa Rosa, US - CA - SantaRosa-Stony, US - CA - SimiVly-Cochran, US - CA - SimiVly-Enchntd, US - CA - Stockton, US - CA - Stockton-March, US - CA - Stockton-Quail, US - CA - Temecula, US - CA - Thousand Oaks, US - CA - Torrance, US - CA - Union City, US - CA - Ventura-Telephn, US - CA - Ventura-Westghs, US - CA - Visalia, US - CA - WdlndHills-6301, US - CA - WdlndHills-6303, US - CA - Westlake Village, US - CA - Westlake-31111, US - CA - WoodlndHil-Cnga, US - CA - WoodlndHll-Wrnr, US - ID - Boise, US - ID - Boise-Bannock, US - ID - Boise-Emerald, US - ID - Idaho Fall, US - ID - Idaho Fall, US - ID - Meridian, US - ID - Pocatello-2500, US - ID - Pocatello-2520, US - ID - Pocatello-Vista, US - ID - Remote, US - MT - Billings-27thSt, US - MT - Billings-31stSt, US - MT - GrtFls-3rd, US - MT - GrtFls-Central, US - MT - Missoula, US - MT - Remote, US - NV - Henderson, US - NV - LsVgas-1850Flam, US - NV - LsVgas-2030Flam, US - NV - LsVgas-7450Arro, US - NV - LsVgas-Arroyo, US - NV - LsVgas-DesrtInn, US - NV - LsVgas-E 1st St, US - NV - LsVgas-PeakDr, US - NV - LsVgas-TownCtr, US - NV - LsVgas-WarmSpgs, US - NV - Remote, US - NV - Reno-Moana, US - NV - Reno-Virginia, US - OR - Beaverton, US - OR - Bend, US - OR - Eugene, US - OR - Medford, US - OR - Portland, US - OR - Prtld-10200Gnbg, US - OR - Prtld-Holladay, US - OR - Prtld-Macadam, US - OR - Prtld-SW5th Ave, US - OR - Prtld-SWColumba, US - OR - Prtld-Sequoia, US - OR - Salem, US - OR - Springfield, US - OR - Tigard-6600, US - OR - Tigard-66th Ave, US - UT - American Fork, US - UT - Brigham City, US - UT - Layton, US - UT - Logan, US - UT - Ogden, US - UT - Provo, US - UT - Remote, US - UT - Riverdale, US - UT - Salt Lake City, US - UT - Sandy, US - UT - Sandy-Monroe, US - UT - St. George, US - UT - West Valley, US - WA - Bellevue-139th, US - WA - Bellevue-15395, US - WA - Bellevue-15500, US - WA - Bellingham, US - WA - Bellingham, US - WA - Bellvue-116thAv, US - WA - Bellvue-30thPl, US - WA - Everett, US - WA - FederalWy-1stWy, US - WA - FederalWy-32nd, US - WA - Kirkland, US - WA - Lynnwood, US - WA - Lynnwood-3400, US - WA - Lynnwood-44th, US - WA - Marysville, US - WA - Mercer Island, US - WA - Olympia, US - WA - Remote, US - WA - Renton, US - WA - Renton-Oakside, US - WA - Seattle, US - WA - Seattle-16th St, US - WA - Seattle-5th Ave, US - WA - Spokane-5th Ave, US - WA - Spokane-NRiver, US - WA - Vancouver-51stC, US - WA - Vancouver-Brdwy, US - WA - Vancouver-Tech, US - WA - Yakima

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Nearest Major Market: Eugene

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