Claims Examiner NonCA

Overview

If you’re passionate about helping people restore their lives when the unexpected happens, and providing the best customer experience, then our Mercury Insurance Claims team could be the place for you! We offer dynamic and challenging opportunities to those who want to make a meaningful impact.

Under limited supervision, the Claims Examiner (Non-CA) utilizes a strong organizational and analytical skillset to evaluate, negotiate, and settle low to high complexity bodily injury claims expediently, to prevent unnecessary exposure to the Company and Policyholders. You will be responsible for ensuring a complete and thorough investigation to determine liability, damages, and injuries, as well as determining applicability of state laws and regulations along with other factors related to a claim. You may also coordinate settlement, mediation, and/or arbitration with attorneys for cases pre-litigation and may handle litigated cases. The Claims Examiner (Non-CA) will leverage knowledge and experience to assure regulatory compliance across multiple states.  

At Mercury, we believe in nurturing growth, making time to have fun, and working together to make great things happen.

Geo-Salary Information

An in-person interview may be required during the hiring process

State specific pay scales for this role are as follows:

$56,701 to $102,219 (NJ, NY, WA, HI, AK, MD, CT, RI, MA)

$51,546 to $92,927 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)

$46,392 to $83,634 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)

In CA: Typical hiring range is $71,514.00  to $87,406.00. 

The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.

Responsibilities

• Proactively negotiates, settles, and authorizes payment for complex injury claims with both legal counsel for represented claimants and unrepresented parties.

• Investigates and analyzes extensive records, including medical records and law enforcement reports. 

• Conducts witness interviews to determine claim value and set/maintain reserves, which includes evaluating liability, venue, quality of opposing counsel, legal risk, anticipated expenses, and other factors which impact claim value.

• Researches and timely responds to customer inquiries and/or concerns throughout the life of a claim to ensure customer satisfaction and retention.

• Works with medical and technical experts and at times with outside counsel, to obtain necessary reports and opinions to determine the best course of action to bring a claim towards resolution.

Qualifications

Minimum: 

• High School Diploma or GED.

• You may be required to obtain a Company sponsored Adjuster’s license to handle claims, to be secured upon hire.

Preferred: 

• Bachelor’s Degree.

Experience:

Minimum:  

• Prior experience investigating, evaluating, negotiating, and settling moderately to highly complex claims.

• Or equivalent combination of education and/or experience.

Preferred: 

• 3+ years related experience.

Skills & Abilities:

Minimum:

• Thorough knowledge and comprehension of Mercury claims handling policies and procedures.

• An analytical mindset allowing the effective assessment of causation and exposure based on complex fact patterns and extensive bodily injuries and property damage.

• An effective communicator who possesses excellent written and verbal communication skills to professionally represent the Company in multi-channel correspondence with customers, claimants, law offices, and other insurance carriers.

• Critical attention to detail and strong organizational skills.

• Ability to plan and exercise conscious control of workload time spent to be effective, efficient, and productive.

• Ability to switch focus at a moment’s notice and prioritize tasks as they are received. 

• Ability to exercise sound judgment in dealing with customers, claimants, and legal counsel.

• Ability to assess risk while making qualified decisions to protect the company and our insureds.

• Views conflict resolution as an opportunity; enjoys negotiating and finding common ground to come to an agreement.

• Possesses a passion for completing detailed and often complicated investigations. 

• Collaborates well with others. We are one team with a common goal.

• Ability to build rapport with both the policyholders and claimant attorneys, has emotional intelligence.

• Has self-motivation and accountability while working remotely.

• Demonstrated proficiency with MS Office products (Outlook, Word) and claims related software.

• Must have dedicated workspace that is free from distractions.

Preferred:

• Knowledge of medical and legal terminology, and applicable laws.

• Demonstrates intellectual curiosity by seeking out efficiencies through process improvement or technology.

• Takes ownership of any process they can improve.

• Assumes positive intent in all interactions.

• Seeks growth within and beyond this role.

• May also participate in the development of the legal defense strategy by partnering and coordinating with Mercury’s legal counsel. Supports and assists legal counsel by attending depositions, mediations, arbitrations, and trials as the Company Representative. 

• Is well versed in and adapts claims handling procedures to ensure compliance with state laws, regulations, and policies across multiple states. 

About the Company

Why choose a career at Mercury?

At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it.

Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.

We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.

Learn more about us here: https://www.mercuryinsurance.com/about/careers

Perks and Benefits

We offer many great benefits, including:

• Competitive compensation
• Flexibility to work from anywhere in the United States for most positions
• Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
• Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
• Medical, dental, vision, life, and pet insurance
• 401 (k) retirement savings plan with company match
• Engaging work environment
• Promotional opportunities
• Education assistance
• Professional and personal development opportunities
• Company recognition program
• Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more

Mercury Insurance is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.

Mercury is committed to working with and providing reasonable accommodations for qualified individuals with disabilities who need assistance with the application and/or employment consideration process. If you require an accommodation, you may contact us by sending an e-mail to recruiting@mercuryinsurance.com. Please include your name, contact information, and a description of your requested accommodation in your message.

Pay Range