Auto Subrogation Adjuster

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 Subrogation Specialist / Total Loss Adjuster

Our/Your Location: Remote/Anywhere within the US

Your hours: Monday – Friday 8 hours/day

Compensation:  $65K+ plus benefits health/dental, other optional coverages, 15 vacation days, allocated sick days

You Report To: Assistant Vice President of Claims

Subrogation Adjusters are responsible for the negotiation and recovery of third-party property-casualty claims. You will directly negotiate with insurance carriers, contractors, plaintiff and defense attorneys, uninsureds, and municipalities. Handling claims is complex and requires a strong understanding of liability and recovery practices. You will also assist our total loss department. 

What you will do:

Your duties include, but are not limited to:

Subrogation Responsibilities

• Research, document, and recap coverage and loss information; can include comprehensive and complex calls.
• Communicate over the phone to ensure understanding of reports and documents.
• Perform an evaluation of the loss to determine potential total losses using established procedures.
• Interpret statutes and case laws to build a strong case for coverage and liability.
• File subrogation claims in Arbitration Forums with persuasive arguments.
• Provide prompt, friendly, courteous, accurate, and helpful service including information about the claims handling process, claim number, name of adjuster, and general questions about existing claims.
• Effectively follow appropriate process for assignment of claims to adjusters.
• Contact customers, insureds, claimants, attorneys, or others to obtain or clarify information.
• Perform other various duties as assigned.

Total Loss Responsibilities

• Negotiate and communicate total losses.
• Understand the total loss evaluation methodology processes; be able to effectively communicate these to vehicle owners.
• Have a basic understanding of vehicle financing / leasing.
• Review damage estimates to confirm vehicles are total losses.
• Document all settlements and actions in the claim file system.
• Work directly with salvage vendor to move vehicles; obtain salvage bids where necessary.
• Negotiate and settle claims within one’s individual authority. Submit claims for approval to supervisor for guidance, review, and/or referral when appropriate.
• Escalate to supervisor claims that are not moving in a positive direction.
• Maintain an effective diary system on pending files; prioritize and handle multiple tasks simultaneously.
• Quickly adjust to fluctuating workload and responsibilities.
• Update involved parties and agents on the status of the claim and emerging issues.
• Ensure that service, loss, and expense control are maintained at all times.
• Adhere to privacy guidelines, law, and regulations pertaining to claims handling.
• Prepare payments to vehicle owners, banks, and lease companies.

What you bring

• 3+ years handling auto subrogation claims
• Excellent written and verbal communications skills, with the ability to assess and negotiate liability and damages
• Proficient use of MS Office applications and PDF documents
• Decisive and organized, with strong organizational skills
• Adapts to occasional high-pressure situations
• Expert knowledge of CCC, Audatex, and / or Mitchell
• Preferred but not required: Spanish and/or Portuguese Speaker is a plus

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!