Auto Claims Adjuster II - Total Loss

At Horace Mann, we understand that experiencing a total loss can be one of the most stressful moments for our customers. We are seeking an experienced Auto Claims Adjuster II – Total Loss to guide policyholders through the total loss claims process with expertise, empathy, and exceptional service.

In this role, you'll independently manage a portfolio of total loss claims, applying advanced claims knowledge to investigate coverage and liability, evaluate vehicle values, negotiate settlements, and deliver timely claim resolutions. The ideal candidate is a skilled communicator and problem solver who thrives in a fast-paced environment while providing a seamless, customer-focused claims experience.

Key Responsibilities

Claims Investigation & Evaluation

• Verify coverage and investigate liability, damages, and claim circumstances for assigned total loss claims.
• Investigate complex losses, including multi-vehicle accidents, and determine appropriate claim handling strategies.
• Evaluate claims to determine settlement value while adhering to company best claim practices and regulatory requirements.
• Apply state-specific regulations and company guidelines to ensure accurate and compliant claims handling.

Total Loss Claims Management

• Independently manage a dedicated inventory of total loss claims from initial assignment through final settlement.
• Coordinate all aspects of the total loss process, ensuring timely evaluation, settlement, and claim closure.
• Negotiate fair claim settlements while balancing customer satisfaction and sound business practices.
• Maintain ownership of the customer experience throughout the total loss process, ensuring transparency and responsiveness.

Customer Service & Communication

• Provide proactive, timely communication to customers, claimants, lienholders, agents, and other involved parties.
• Deliver an extraordinary customer experience by demonstrating empathy, professionalism, and effective conflict resolution.
• Explain coverage, settlement decisions, and claims processes clearly and confidently.

Collaboration & Operational Excellence

• Partner with internal claims teams, vendors, and business partners to facilitate efficient claim resolution.
• Demonstrate leadership through collaboration, sound decision-making, and knowledge sharing.
• Maintain accurate claim documentation and ensure compliance with company policies and state regulations.
• Continuously expand technical claims knowledge and remain current on industry trends and regulatory changes.

Qualifications & Experience

Required

• 2+ years of prior claims handling experience, preferably in auto claims.
• Ability to independently manage a claims inventory while making sound claims decisions.
• Strong understanding of insurance coverage, liability investigations, and claim settlement practices.
• Ability to obtain and maintain all required state adjuster licenses.
• Excellent verbal and written communication skills.
• Strong analytical, organizational, and problem-solving abilities.

Preferred

• Experience handling total loss auto claims.
• Experience investigating multi-vehicle accidents and complex claims.
• Demonstrated leadership and conflict resolution skills.
• Strong customer service background with a commitment to delivering exceptional claim experiences.

Skills & Competencies

• Advanced claims investigation and evaluation
• Negotiation and settlement expertise
• Customer-focused communication and relationship management
• Sound judgment and decision-making
• Attention to detail and strong organizational skills
• Ability to work independently while managing multiple priorities
• Commitment to compliance, quality, and continuous improvement

Additional Information

• Strong verbal and written communication skills required.
• Must obtain and maintain all required state adjuster licenses.
• Periodic travel may be required.

Salary Range: 

        $57,500.00 - $79,100.00/annually + bonus 

Salary is commensurate to experience, location, etc.

Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow.  And with our broadened mission has come corporate growth:  We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.

We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs.  We help educators identify their financial goals and develop plans to achieve them.  This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.

EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status

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