Claim Specialist-Injury in Cleveland, Ohio at State Farm Mutual Automobile Insurance Company

Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. We're moving with urgency to become a Next Gen Good Neighbor, with technology that strengthens human connections and enhances the customer experience. As an employee, you'll spend less time navigating systems and more time applying judgment, empathy, and expertise in the moments that matter most.

State Farm is on the cutting edge with the use of technology to support claim employees in developing enhanced skillsets to support and protect our policyholders. Not Human or Digital. Human + Digital, working together.

Auto Injury is a customer-facing segment handling bodily injury and uninsured/underinsured claims along with property damage claims involving injuries. Claims will be tiered within Injury based upon their claim characteristics, complexity, and severity. This could range from non-attorney represented bodily injuries, up to attorney represented and/or litigation claims.

This position is for a field role in which you will have in person assignment(s) claims handling. Examples of in person assignments would be customer facing tasks (such as securing documentation, money, etc) and legal appearances (small claims court, settlement conferences, mediations, trials, etc). Once in person assignments are completed, you would then transition to a claim handler for 3rd party liability claims (evaluating, negotiating, and settling claims).
Helping people recover from the unexpected can be one of the most rewarding aspects of the Injury claims position. We empower our claim handlers to take ownership of the customer experience, demonstrate learning agility, apply their knowledge, and lead through the eyes of our customers.

Responsibilities for this role include:

• Reviewing and analyzing both residential and commercial property injury claims to determine coverage, liability, and damages with exposures up to $500,000
• Conducting thorough investigations by gathering relevant information, interviewing involved parties, and reviewing supporting documentation
• Evaluating medical records, police reports, and other related documents to assess the extent of injuries and liability
• Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations
• Negotiating settlements with claimants, ensuring fair compensation is provided within policy limits considering policy provisions, industry standards, and company guidelines
• Documenting all claim activities, maintaining accurate records, and preparing reports as required
• Collaborate with external policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently
• Collaborating with internal teams, including legal, medical, and risk assessment, to ensure proper claim handling
• Claims employees may occasionally deal with difficult and emotional investigations which include traumatic injury and loss of life. May also require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions.
• Handling may include lawsuits and/or demands as well as working with Attorneys

Where You'll Work:

This position is responsible for servicing the location of Cleveland, OH. Competitive candidates should reside within a commutable distance of this territory.
This is a Remote-Field position in which you will work from home and utilize a mobile office/vehicle for in-person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home.

Candidates may be asked to travel and work outside of their assigned territory as business needs dictates.

Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible work shifts and may be asked to work overtime and/or irregular hours.

Competitive candidates demonstrate the following:

• Prior claim handling experience with proven ability to assess damages, estimate repair costs, and negotiate settlements
• Proficiency in using Claims Management software and other relevant tools
• Detail-oriented with strong written communication skills
• Effective verbal communication and interpersonal skills to handle difficult conversations with a customer-minded focus
• Strong critical thinking and decision-making skills
• Ability to multi-task across technical platforms
• Strong organizational and time management skills
• Effective negotiation skills
• Ability to work collaboratively in a team environment while also being self-motivated and able to work independently
• Identification of complexities that may require coordination with independent experts, vendors, or defense counsel
• Physical agility to allow for: frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces
• A valid driver’s license is required

Preferred:

• Bachelor's Degree
• Claim handling experience including:
  • Bodily injury and property damage liability claims, as well as uninsured or underinsured motorist coverage claims
  • Verification of coverage, legal liability, and extent of damage to persons and property by using knowledge of policies, procedures, laws, statutes, and insurance regulations
  • Litigation experience – In person court appearances (including Trials, Settlement Conferences, Mediations)

Additional Details:

• Employees must successfully complete all required training, including applicable proficiency and licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s).
• State Farm recently implemented new pre-employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing

Because work-life balance is a priority at State Farm, compensation is based on our standard 38:45-hour work week!

• Potential starting salary range: $66,071.85 - $101,450.00
• Starting salary will be based on skills, background, and experience
• High end of the range limited to applicants with significant relevant experience
• Potential yearly incentive pay up to 15% of base salary

At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!

• Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.
• Stay Well! Focus on you and your family’s health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
• Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
• Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!
• Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!
• Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.
• Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!