Third Party Claims Administrators and Independent Insurance Adjusters
Inland Marine & Cargo Claims Examiner
Location
United States
Posted
2 days ago
Salary
0
Seniority
Senior
Job Description
Inland Marine & Cargo Claims Examiner
Raphael & Associates
• Investigate Commercial Transportation claims specifically to Inland Marine and Cargo, involving physical damage to trucks, tractors, trailers, buses, commercial fleets, and specialized transportation equipment. • Review policy language to determine coverage applicability, exclusions, limits, deductibles, and endorsements. • Evaluate liability associated with losses occurring while commercial vehicles are under the care, custody, or control of insured garage operations. • Obtain and analyze repair estimates, maintenance records, inspection reports, photographs, contracts, invoices, and statements from insureds, claimants, and witnesses. • Coordinate inspections with appraisers, heavy equipment specialists, engineers, salvage vendors, and independent adjusters. • Assess damages involving commercial vehicles, cargo-related equipment, specialized transportation units, and fleet assets. • Establish and maintain appropriate claim reserves based on exposure and severity. • Negotiate settlements with insureds, fleet owners, repair facilities, attorneys, and third-party claimants within established authority levels. • Identify and pursue subrogation opportunities against responsible parties, manufacturers, vendors, or contractors. • Manage litigation and work closely with defense counsel on disputed liability or coverage matters. • Detect and escalate potentially fraudulent claims for special investigation. • Maintain accurate claim documentation and diary management in compliance with company procedures and regulatory requirements. • Deliver timely and professional customer service to insureds, brokers, agents, fleet managers, and transportation industry stakeholders. • Participate in claim audits, training initiatives, and process improvement efforts.
Job Requirements
- 3–7 years of commercial auto, transportation, trucking, garage liability, garage keepers, heavy equipment, or property damage claims handling experience.
- Experience handling heavy truck, fleet, towing, recovery, repair facility, dealership, or transportation service claims.
- Strong knowledge of Commercial Transportation insurance coverages, Inland Marine & Cargo Legal Liability, Garage Liability, Commercial Auto, and Garage Keepers policies.
- Understanding of trucking operations, fleet maintenance practices, vehicle repair processes, and transportation industry exposures.
- Experience handling moderate to complex claims involving commercial vehicles and transportation service operations.
- Strong investigative, analytical, negotiation, decision-making skills and litigation management experience.
- Excellent written and verbal communication abilities.
- Proficiency with claims management systems and Microsoft Office applications.
Benefits
- Excellent Salary
- Multiple Bonus Opportunities
- Medical Benefits including Dental, Vision and Life
- Paid Holidays/Vacation
- 401(k) Plan
- Flex-Time
- Educational Assistance Program
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