Amparo is an innovative auto insurance company that aims to provide affordable, reliable insurance products to a niche base of multilingual customers. Launched summer of 2021, Amparo is a new managing general agency (MGA) to the MA market and is poised for significant growth over the next few years, affording unique opportunities for career advancement spanning the range of insurance functions (e.g., sales, claims, underwriting)

Your Title: Auto Claims Adjuster

Your Location: Remote/Anywhere within the US

Your Hours: Monday through Friday, 8 hours per day, Eastern Standard Time

Compensation: $70K+ plus benefits health/dental, other optional coverages, 15 vacation days, allocated sick days

You Report To: Vice President of Claims

What Is the Opportunity?

This position is responsible for handling Personal and Business Insurance Auto Damage claims from the first notice of loss through resolution, settlement, and payment. Claim types include multivehicle claims with two or more cars and unclear liability. The role will also handle more complex Auto Damage claims, such as non owned vehicles, fire or theft, potential fraud, and non auto property related damage. The adjuster provides quality claim handling throughout the claim life cycle, including customer contacts, coverage analysis, investigation, evaluation, reserving, negotiation, and resolution, while maintaining full compliance with internal and external quality standards and state specific regulations.

What Will You Do?

Your duties include, but are not limited to:

Customer Contacts and Experience: Deliver consistent service quality throughout the claim life cycle, including prompt contact, explaining the process, setting expectations, ongoing communication, following through, and meeting commitments to achieve optimal outcomes on every file. Fulfill specific service commitments made to certain accounts.
Coverage Analysis: Review and analyze coverage and apply policy conditions, provisions, exclusions, and endorsements for Auto Damage claims assigned mainly in Massachusetts. Address the proper application of deductibles, verify available benefits, and confirm coverage limits. Confirm priority of coverage, such as primary, secondary, or concurrent, while considering other jurisdiction specific issues.
Investigation and Evaluation: Investigate each claim to obtain relevant facts necessary to determine coverage, causation, extent of liability, establishment of negligence, damages, contribution potential, and exposure with respect to the various coverages provided. Contact appropriate parties, such as policyholders, accounts, claimants, law enforcement agencies, witnesses, and agents. Take recorded statements as necessary.
Recognize and request the appropriate inspection type based on the details of the loss and coordinate the appraisal process. Maintain oversight of the repair process and ensure appropriate expense handling.
Establish and maintain timely claim and expense reserves.
Manage file inventory and expense reserves by utilizing an effective diary system and documenting claim file activities to resolve claims in a timely manner.
Determine settlement amounts based on appraisal estimates, negotiate and convey claim settlements within authority limits to insureds and claimants. As appropriate, write denial letters, Reservation of Rights letters, and other necessary correspondence.
Provide support for other parts of the Auto Line of Business, such as First Notice of loss, Subrogation, Total Loss and Salvage.
Perform other duties as assigned.

What Will Our Ideal Candidate Have?

Demonstrated ownership attitude and customer centric approach to all assigned tasks
Ability to work in a high volume, fast paced environment managing multiple priorities
Attention to detail ensuring accuracy
Strong verbal and written communication skills
Basic value determination
Advanced settlement techniques

What Is a Must Have?

High School Diploma or GED
Fluent in Portuguese and/or Spanish required
Active adjuster’s license in at least one state required (any state)
A minimum of three years of previous auto claim handling experience

At Amparo, we are committed to equal employment opportunities and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop, and retain employees. Amparo prohibits all unlawful discrimination, harassment, and retaliation against any individual who reports discrimination or harassment.

Amparo Benefits…

Great Perks – We offer generous salaries, competitive health, and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, PTO
Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.
Growth - Company growth provides unprecedented career growth. We engage each employee to build a career plan that benefits everyone, and we have a proven record of investing in you.
Generous Friends of Amparo Policy for referrals! Earn $750 for referring a friend!

Amparo Insurance jobs

Bilingual Auto Liability Adjuster (Spanish/Portuguese)