global guardian servicesMiami, FL
Commercial Auto Property Damage Claims Adjuster
Commercial Auto Property Damage Claims Adjuster
Insurance Appraisers, Auto DamageClaims Adjusters, Examiners, and InvestigatorsInsurance Claims and Policy Processing Clerks
Claims AdjustingAll Other Insurance Related ActivitiesDirect Property and Casualty Insurance Carriers
Apply for this role (opens in a new tab)Commercial Auto Property Damage Claims Adjuster Commercial Auto | Collision | Comprehensive Classification: ExemptPay Type: Salary
Reports to: Claims Manager Summary/Objective
Global Guardian Services, LLC (GGS), a national third-party claims administration company, is looking for experienced Commercial Auto Property Damage/Liability Claims Adjusters to join our team. The ideal candidate will have a strong background handling commercial auto property damage claims, including collision, comprehensive, and third-party property damage losses. Experience with commercial trucking, fleet vehicles, and tractor-trailers is preferred. This position is responsible for managing claims from initial assignment through resolution, including investigating losses, reviewing coverage, evaluating vehicle damage, establishing reserves, negotiating settlements, and identifying subrogation opportunities. We are looking for someone who can work independently, manage a busy claims inventory, make sound decisions, and communicate effectively with insureds, claimants, repair facilities, appraisers, vendors, and clients.
Key Responsibilities
Auto Property Damage Claims Handling:
Manage a caseload of commercial auto property damage, collision, and comprehensive claims.
Handle first-party physical damage and third-party property damage claims from initial assignment from assignment through coverage analysis, liability determination, settlement and closure.
Investigate accidents involving commercial trucks, tractor-trailers, passenger vehicles, and fleet vehicles.
Handle comprehensive losses involving theft, vandalism, fire, weather damage, and other covered losses.
Review coverage, determine liability when applicable, evaluate damages, and negotiate settlements.
Maintain timely communication with all parties and ensure claims move toward resolution.
Claims Investigation and Evaluation:
Investigate losses by reviewing police reports, photographs, witness statements, accident descriptions, and other supporting documentation.
Review policy information, applicable coverage, deductibles, and endorsements.
Determine liability and comparative negligence for third-party property damage claims.
Identify coverage concerns, potential fraud, and other issues that may affect the claim.
Work with appraisers, repair facilities, and vendors to confirm damages and repair costs.
Make recommendations for claim resolution based on the available information.
Vehicle Damage and Repair Management:
Review vehicle repair estimates, supplements, photographs, and appraisal reports.
Evaluate repair costs, labor rates, parts pricing, and the reasonableness of proposed repairs.
Work directly with body shops, independent appraisers, dealerships, and repair facilities to resolve estimate differences.
Review and approve repair supplements within assigned authority.
Evaluate towing, storage, rental, and loss-of-use expenses.
Monitor repairs and follow up on outstanding issues to avoid unnecessary delays and expenses.
Total Loss and Salvage Handling:
Identify potential total losses and evaluate whether a vehicle should be repaired or declared a total loss.
Review vehicle valuations, actual cash value (ACV), comparable vehicles, and settlement calculations.
Negotiate total loss settlements with insureds, claimants, and lienholders.
Coordinate with salvage vendors regarding vehicle pickup, title processing, and salvage recovery.
Ensure total loss settlements comply with applicable state requirements and client guidelines.
Subrogation and Recovery:
Identify potential subrogation opportunities and pursue recovery from responsible parties or their insurance carriers.
Review liability information, repair documentation, and supporting evidence to determine recovery potential.
Prepare and submit subrogation demands.
Negotiate recovery settlements and resolve disputes with other carriers.
Coordinate deductible reimbursements and salvage recoveries when applicable.
Reserves and Settlement Negotiations:
Establish and maintain accurate claim reserves based on the expected cost of repairs, total loss values, and other covered expenses.
Review and update reserves as new information becomes available.
Negotiate fair and reasonable settlements within assigned authority.
Prepare settlement recommendations and request additional authority when necessary.
Focus on resolving claims efficiently while controlling unnecessary expenses.
Client Communication and Reporting:
Maintain regular communication with insureds, claimants, clients, repair facilities, appraisers, and vendors.
Provide timely updates regarding claim status, repairs, payments, and settlement progress.
Respond promptly to questions and concerns from involved parties.
Follow client-specific claims handling instructions and reporting requirements.
Escalate significant losses, coverage issues, disputed settlements, and authority requests to management.
Documentation and Compliance:
Maintain accurate and organized claim files with clear documentation of investigations, evaluations, and settlement decisions.
Keep claim notes, reserves, payments, and diary activities current.
Ensure claims are handled in accordance with applicable state regulations and client requirements.
Follow GGS claims handling procedures and quality standards.
Complete assigned tasks and follow-ups within established deadlines.
Required Skills & Experience
Auto Property Damage Experience:
Experience handling commercial auto property damage, collision, and comprehensive claims.
Strong understanding of first-party physical damage and third-party property damage coverage.
Experience evaluating vehicle repair estimates, supplements, and total losses.
Familiarity with commercial trucking and fleet vehicle claims.
Also on the board Same function, level within a rung
Level
Senior
Location
Miami, FL
Occupation
Insurance Appraisers, Auto Damage
Industry
Claims Adjusting
Posted
today