Specialty Vehicle Field Estimator

  • National General Insurance
  • Albany, NY, United States
Full Time

Job Description

*** The ideal candidate would be located in the New York, NY area or within 45 miles***

Primary Purpose:
Responsible for creating an estimate of damages to 1st and 3rd party material damage of Specialty Vehicles (i.e. RV and Commercial vehicles) within an assigned territory. This includes focusing on the needs of loss participants, identifying customer needs, working to meet those needs using appropriate customer service skills and communicating with internal (telephone claims adjusters) and external (policyholders and claimants) shareholders.

Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

  • Create appraisal from physical inspections and review of photos
  • Handle routine and complex material damage claims with little or no supervision
  • Maintain timely and effective communication with customer's and repair facilities on assigned high value claims
  • Determine subrogation or fraud potential; identify coverage issues relative to the policy written
  • Receive claim assignments and document all appropriate information
  • Review photos thoroughly and determine ability to repair; complete assessment and/ or total loss evaluation as necessary
  • Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
  • Identify subrogation or fraud potential based upon physical evidence and refer to the appropriate claims representative when potential exists
  • Stay informed of changes in the collision repair industry including statutory and regulatory changes as they relate to material damage
  • When appropriate, make contact to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement
  • Take ownership of any issue, problem or error that could potentially impact the policyholder and/or loss participant
  • Handle accurately any type of material damage claim within limit of authority demonstrating labor judgment skills, ability to identify total loss and soundly produce estimates
  • Assist with training of other Specialty Material Damage staff
  • Assist with management of Specialty Direct Repair shops within assigned region as directed
  • Act as subject matter expert on Specialty Vehicles for assigned geographic territory

Minimum Skills and Competencies:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Bachelor's Degree or in-lieu of degree equivalent education, training and work-related experience
  • Obtain and Maintain appropriate license and/or educational requirements
  • Possess hands on training in a repair facility or training center specific to Specialty Vehicles
  • Ability to develop a basic understanding of the insurance industry and the organizational relationships of the company
  • Possess estimating experience with an automated estimating system
  • Ability to accurately assess damage on RV's and/or Commercial vehicles
  • Possess effective organization and time management skills with the ability to work under pressure and adhere to project deadlines
  • Ability to maintain consistent file review exception rates at or lower than department set standards
  • Possess solid understanding of the claims policies, procedures and material damage guidelines; ability to interpret policies, procedures and guidelines in resolving claims
  • Possess general understanding of the repair and replacement of property damages, to include mechanical components of a vehicle and other potential exposures
  • Ability to identify, investigate and conclude coverage investigations
  • Possess general knowledge of unibody/ conventional frame damages and repair processes
  • Must possess effective verbal and written communication skills
  • Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
  • High degree of initiative, mature judgment and discretion
  • Ability to resolve conflicts and empathize with customers
  • Strong negotiation skills

Desired Skills:

  • Obtain and Maintain appropriate license and/or educational requirements (i.e. Adjuster license in home state or state that requires examination and CE)
  • Successful completion of one or more professional designations/ training programs: Estimating and Repairing Recreational Vehicles and Commercial Vehicles; I-Car Certification; Fraud Training; RVIA/RVDA, RVTA, ASE
  • Possess previous material damage claims handling experience
  • Possess management experience in a repair facility
  • Possess a general understanding of insurance law as it relates to claims
  • Possess knowledge in RV Estimatics, RV Policy, Motorcycle Estimates and Motorcycle Policy as dictated by area business needs

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