Auto Physical Damage Appraiser – Field

Role Overview

• This position supports the Auto Physical Damage Operation by providing material damage claims handling for insurance policies written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements.
• The primary functions include analyzing and evaluating vehicle damage to assist in writing estimates, reviewing estimates, validating compliance and determining repair costs.
• Communication with members, vehicle owners, body shops and others will be required pertaining to repair process and costs.
• Works within specific limits and authority to resolve claims with well-defined procedures.
• Work typically includes repairs and total loss estimation of moderate to significant complexity.
• Utilize physical inspections to complete accurate and thorough estimates for vehicle repair that are compliant with company guidelines, industry standards and applicable laws and regulations.
• Evaluation will include determining accident related damages and vehicle repairability.
• As part of the estimating process, communicate and interact with a variety of individuals including insureds, claimants, repair facilities, internal claims staff and others.
• Explain the claim process, repair process, coverage or policy language as applicable. This could be through verbal conversations or in writing, all while in compliance with regulatory and statutory requirements.
• Providing clear and concise documentation to support estimated damage via photos and detailed descriptions in claim files on company systems.
• Negotiate within settlement authority to resolve claims. Including dispute resolution regarding repair costs and/or coverage.
• Coordinate with internal departments
• Respond quickly to customer needs and inquiries
• Must be able to assist with Catastrophe duties as required
• This position requires a higher degree of discretion and independent judgment in analysis and problem solving to effectively manage losses.
• Determine policy obligations by assessing damage components of the loss.
• Investigate and differentiate between allegations and facts in each loss.
• Respond quickly and effectively to customer needs and problems.
• Determine policy obligations by assessing the damage from the loss and comparing it to the facts of loss.
• Independently resolve claim exposures within level of authority.

Requirements

• Associates Equivalent combination of education and experience Preferred
• Vocational Equivalent combination of education and experience Preferred
• Bachelors Equivalent combination of education and experience Preferred
• 4-6 years Claims experience Preferred
• 4-6 years Estimating experience Preferred
• Advanced understanding of automotive repair processes, vehicle systems and damage assessment.
• Ability to accurately estimate repair costs and a detailed understanding of estimating software platforms.
• Knowledge of Microsoft Office suite, general computer software and advanced line of business technical software skills required.
• Excellent organization and planning recognition skills required
• Excellent oral and written communication skills required
• Interpersonal skills required
• Customer service experience required
• Judgment/Decision making. Ability to identify and resolve complex issues related to damage assessment and repair cost.
• Commitment to continuous education
• Must be flexible to assist on Catastrophe duty within the extended organization.
• Valid Driver's License, acceptable Department of Motor Vehicles record and minimum liability insurance
• Issued by State Required
• Collision Repair & Refinish Certification Tests (B Series)
• Automotive Service Excellence Industry certifications such as I-CAR Platinum or ASE Preferred

Benefits

• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance, travel, entertainment, services and more!)