Total Loss Adjuster, Personal Lines at Hartford Financial Services

Dallas, Texas, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

InsuranceIndustries

Requirements

Decisive and purposeful
Strong moral character and work ethic
Independent and self-starting
Strong verbal communication skills
Shows initiative, exhibits a “can do” attitude, and provides ideas while working within a team environment
Able to work in a high volume, collaborative, fast-paced environment while managing multiple priorities
Highly organized
Detail oriented with strong analytical skills and sound judgement
Excellent time management skills to meet deadlines and prioritize
Problem solver
Adaptive and flexible
Strong negotiation skills
Excellent verbal and written communication skills
Strong interpersonal skills
Demonstrated proficiency in technology including Microsoft Suite Software (Word, Excel, PowerPoint, Outlook), Total Loss Manager, ACD, vendor databases, and other required web-enabled applications
Ability to operate business technology
Superior telephone skills
Excellent math skills
Ability to draft business correspondence using correct punctuation, spelling, and grammar
Experience investigating, evaluating, negotiating, and settling simple to complex auto claims strongly preferred
Knowledgeable of laws and regulations as it applies to auto insurance industry
Knowledge of Salvage and Title laws of various states
Bilingual preferred
Complete continuing education and maintain state licensing for states which require a license

Responsibilities

Investigating, evaluating, and negotiating claims to reach a fair and equitable settlement
Negotiating settlement of claims with insureds, claimants, and attorneys while following established, authorized settlement authority
Using compassionate communication and persuasive negotiation to ensure a positive customer experience
Reviewing claim details, coverage limits, the estimate, and all associated charges to confirm Total Loss Evaluation
Handling all claims within the guidelines of the states’ Fair Claims Practices Acts and other Regulations
Acting as specialist in knowledge of Salvage and Title laws of various states to facilitate legal transfer of title and claim resolution
Communicating with Lien Holders, Body shops, tow facilities, and other vendors to secure information needed to bring claim to a conclusion
Controlling associated claims for Rental/Loss of Use and storage
Ensuring timeliness and KPIs are being met
Working closely with MD appraisers to ensure accurate and timely evaluations
Ensuring claim files are properly documented and all documents are attached
Requesting documents needed to process titles and salvage of vehicles
Monitoring Copart website for receipt of title documents
Maintaining an up-to-date diary
Identifying subrogation and SIU opportunities and following Company procedures to notify appropriate company personnel
Ensuring compliance with Hallmark Best Practices
Adjusting reserves to accurately reflect the exposure
Issuing payments to the appropriate parties
Making and maintaining a connection with the customer by understanding and meeting their needs; exhibiting empathy and proactively following up
Researching and responding to a variety of customer communications, concerns, or issues ranging from simple to complex
Documenting the claim file with notes, evaluations, and decision-making process
Attend and participate in team meetings
Attending and successfully completing all assigned training in a timely manner

Skills

Key technologies and capabilities for this role

Claims InvestigationClaims EvaluationClaims NegotiationTotal Loss EvaluationSalvage LawsTitle LawsFair Claims PracticesLien Holder CommunicationVendor ManagementRental ClaimsCopartClaim Documentation

Questions & Answers

Common questions about this position

What are the key responsibilities of a Total Loss Adjuster?

Key responsibilities include investigating, evaluating, and negotiating total loss claims for various vehicle types, ensuring compliance with state regulations, communicating with customers and vendors compassionately, and maintaining proper documentation and reserves.

What qualifications are required for this Total Loss Adjuster position?

Qualifications include being decisive, independent, with strong verbal communication skills, initiative, organization, analytical skills, and excellent time management to handle a high-volume, fast-paced environment.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What is the salary or compensation for this role?

This information is not specified in the job description.

What makes a strong candidate for the Total Loss Adjuster role?

Strong candidates show a 'can do' attitude, strong moral character, initiative, the ability to work collaboratively in a fast-paced team environment, and possess detail-oriented analytical skills with sound judgment.

Hartford Financial Services

Insurance and financial services provider

About Hartford Financial Services

Hartford Financial Services provides insurance and financial products designed to protect individuals and businesses. Their offerings include various types of insurance, such as auto, home, and business insurance, as well as retirement and investment solutions. The company focuses on ensuring that clients are safeguarded against risks while also aiming to create a positive impact in the community. Unlike many competitors, Hartford Financial Services emphasizes a commitment to human achievement, striving to support clients in ways that extend beyond traditional insurance coverage. The goal of the company is to empower individuals and businesses to thrive by providing comprehensive protection and contributing to societal well-being.

Hartford, ConnecticutHeadquarters

1810Year Founded

$77.7MTotal Funding

N/ACompany Stage

Social Impact, Financial ServicesIndustries

10,001+Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Paid Vacation

Paid Holidays

Hybrid Work Options

Remote Work Options

Tuition Reimbursement

Risks

AI-driven solutions like HOMEE increase competition in P&C insurance.

Beam Benefits' growth challenges Hartford's market position in employee benefits.

Superscript's funding may disrupt traditional insurance models Hartford relies on.

Differentiation

Hartford is recognized as one of the World's Most Ethical Companies.

The Hartford's critical illness insurance covers a wide range of health conditions.

Partnership with CAPE Analytics enhances Hartford's risk assessment with geospatial intelligence.

Upsides

AI-driven claims management adoption boosts efficiency in insurance processing.

Digital transformation with Beam Benefits simplifies employee benefits processes.

Geospatial intelligence from CAPE Analytics improves risk assessment and underwriting.

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