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• Investigate insurance claims by gathering facts, interviewing claimants and witnesses, and reviewing documentation.
• Determine coverage based on policy provisions and applicable laws.
• Assess damages and calculate appropriate settlement amounts.
• Negotiate settlements with policyholders and third parties.
• Manage a caseload of claims from initial report to final resolution.
• Prepare detailed reports documenting claim investigations and findings.
• Maintain accurate and up-to-date claim files.
• Communicate effectively with all parties involved in the claims process.
• Adhere to all company policies and regulatory requirements.
• Collaborate with team members and supervisors in a hybrid work environment.

• Bachelor's degree in Business, Finance, or a related field, or equivalent experience.
• 2+ years of experience in insurance claims adjusting.
• Knowledge of insurance policies, procedures, and relevant laws.
• Strong investigative, analytical, and negotiation skills.
• Excellent communication, interpersonal, and customer service skills.
• Proficiency in claims management software.
• Ability to work independently and manage time effectively in a hybrid setting.
• Valid state adjuster license (or ability to obtain one).

Job Description

CURE Auto Insurance is a leading direct writer of auto insurance in New Jersey, Pennsylvania, and Michigan. CURE offers a great working environment, competitive salary, and comprehensive benefits package which includes health and dental coverage, life and disability insurance, 401k with generous company match, and much more!

This position is responsible for handling Property and Casualty Auto Insurance claims. Candidates should have at least 2 years of experience handling auto insurance claims.

Essential Job Functions:

• Investigate validity of claims, evaluate policy coverages, and determine if any special investigation unit referrals are warranted. Set expectations, develop a plan of action, and perform all tasks according to company set guidelines.

• Make prompt contact with policyholders and other appropriate parties involved in the loss to obtain the necessary documentation, conduct recorded statements, etc.

• Establish initial reserves based on gathered information and adjust as appropriate through completion of assigned claim.

• Negotiate timely and appropriate settlements with claimants, attorneys, or other parties. Issue proper and accurate payments as needed.

• Identify questionable risks, red flags, fraud indicators and alert the special investigation unit when applicable.

• Establish and maintain an organized diary system to ensure all claims are properly and adequately handled in a timely manner.

• Adhere to all state/local regulations including the NJ/PA/Michigan Unfair Claims Practices and Guidelines.

• Other responsibilities or duties as assigned.

Experience/Qualifications:

• A minimum of 2 years Auto Claims handling experience

• Ability to communicate clearly, professionally, and provide superior customer service over the phone and through written correspondence.

• Strong organizational and time management skills.

• Excellent analytical, investigative, and settlement skills.

• Proficient with Microsoft Office and various other computer skills with the ability to learn and utilize new computer systems and other technologies.

Benefits

• Medical, dental, and vision insurance
• 401(k) with employer match
• Paid time off (vacation, sick leave, and holidays
• FSA and HRA
• Parental leave opportunities
• Life and Disability Insurance
• Employee Assistance Programs (EAP)
• Discounted tickets to CURE Arena in NJ
• Voluntary Benefits (Pet Insurance, ID & Fraud, Accident & Illness, and more!)

Physical Actions/Environment: Required job duties consist of prompt and regular attendance, ability to frequently move about the office to coordinate work with others; standing, sitting and typing for extended periods; and lifting and/or carrying up to 5 lbs. Ability to frequently communicate with others in-person, on the phone/virtually, and in writing. Ability to read, understand, process and evaluate large amounts of technical information and make related, informed decisions.

Starting Salary: 52,000 - 90,000 depending on experience

Schedule: 8:30 AM - 5:00 PM; We offer a hybrid work schedule: team members work onsite 4 days per week and have the flexibility to work remotely 1 day per week.

Location: Detroit, MI or Princeton, NJ

We recruit, hire, employ, train, promote, and compensate individuals based on job-related qualifications and abilities. We respect the dignity and worth of each individual and are committed to an employment environment that is free from all forms of employment discrimination.

CURE Auto Insurance provides equal employment opportunities to all employees and applicants for

employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, pregnancy, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Disclaimer: This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. This job description may be subject to change at any time.

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.