Risk Auto Claims Specialist

Risk Auto Claims Specialist an insurance professional responsible for investigating, evaluating, and settling automobile insurance claims, with a primary focus on identifying and managing high-risk situations, including potential liability issues, large damage claims, and complex legal scenarios; they work to minimize financial losses for the insurance company by making informed decisions based on policy coverage and legal guidelines while maintaining customer satisfaction.

Key Responsibilities: • Claims Investigation: Conduct thorough investigations of auto accident claims by gathering information from within the organization, police reports, medical records, and vehicle damage reports, and other available sources of information. • Liability Assessment: Analyze accident details to determine fault and potential liability in complex cases, considering legal precedents and state regulations. • Coverage Determination: Review insurance policies to assess coverage limits and determine applicable benefits for each claim. • Claim Negotiation: Contribute to settlement negotiations to reach fair and cost-effective resolutions. • Risk Management: Identify high-risk claims early on, implement proactive strategies to mitigate potential losses, and escalate complex cases to appropriate parties. • Litigation Management: Assist Director with claims that proceed to litigation, providing necessary documentation and supporting evidence. • Claims Reporting: Maintain accurate and detailed incident files, documenting all actions taken, communication with involved parties, and progress updates. • Fraud Detection: Investigate suspected fraudulent claims and take appropriate actions to prevent losses

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