Remote Auto Injury Claim Specialist – Proximity Field Role Supporting Albuquerque Territory with Full Benefits, Career Growth & Flexible Work‑From‑Home Schedule
Why Join Us? – A Glimpse Into Our Culture and Mission
At State Farm, we believe that being a good neighbor means more than just providing insurance – it means investing in the communities where we live, working together to improve lives, and championing a culture of caring, integrity, and innovation. As the nation’s #1 property and casualty insurer, we have a long‑standing reputation for putting people first, and we are proud to extend that philosophy to every claim we handle. By joining our team, you become part of a legacy that turns unexpected challenges into opportunities for recovery, resilience, and real‑world impact.
Position Overview – What You’ll Do Every Day
We are seeking a highly motivated, detail‑oriented Remote Auto Injury Claim Specialist to serve the Albuquerque, NM territory. This hybrid “remote‑field” role blends the flexibility of working from home with the necessity of on‑site, in‑person assignments. You will be the trusted point of contact for policyholders dealing with bodily injury, uninsured/underinsured motorist claims, and property‑damage injuries, guiding them through the claims journey from initial intake to final resolution.
Core Responsibilities
- Claim Intake & Evaluation: Review incoming auto injury claims, verify coverage eligibility, and determine liability based on policy language, state regulations, and investigative findings.
- In‑Depth Investigation: Gather relevant documentation, conduct interviews with claimants, witnesses, medical providers, and law‑enforcement officials, and analyze police reports, medical records, and repair estimates.
- Medical & Damage Assessment: Assess the severity of injuries, estimate associated medical costs, and evaluate property damage to ensure accurate loss quantification.
- Negotiation & Settlement: Engage claimants, attorneys, and third‑party representatives in fair settlement discussions, aiming to achieve equitable outcomes within policy limits while protecting State Farm’s financial interests.
- Legal Coordination: Represent State Farm in small‑claims court, mediations, and, when necessary, coordinate with external counsel for litigation support.
- Documentation & Reporting: Maintain thorough, organized case files, log all communications, and generate detailed reports for internal audit and regulatory compliance.
- Cross‑Functional Collaboration: Partner with internal legal, medical, risk, and underwriting teams to ensure seamless claim handling and strategic risk mitigation.
- Customer Advocacy: Provide empathetic, clear communication to injured parties, ensuring they understand their rights, the claims process, and available resources throughout recovery.
- Field Assignments: Conduct in‑person tasks such as securing physical evidence, attending medical appointments, and appearing in court or mediation settings using a mobile office/vehicle.
Essential Qualifications – What You Must Bring
- Education: Bachelor’s degree preferred (any discipline) or equivalent professional experience in insurance, claims handling, or a related field.
- Experience: Minimum 2‑3 years of hands‑on claim handling experience, specifically with bodily injury, property‑damage, or uninsured/underinsured motorist claims.
- Legal Acumen: Demonstrated exposure to claims litigation, including familiarity with court procedures, settlement negotiations, and coordination with attorneys.
- Communication Skills: Superior written and verbal communication abilities, with the capacity to explain complex insurance concepts in a clear, compassionate manner.
- Analytical Thinking: Strong critical‑thinking and decision‑making capabilities, supported by a proven track record of accurately evaluating coverage, liability, and damages.
- Tech Savvy: Proficiency in claims management systems, Microsoft Office Suite, and the ability to quickly learn new platforms and tools.
- Organizational Excellence: Exceptional time‑management and multitasking skills, ensuring timely case progression while juggling field assignments and remote work duties.
- Mobility: Ability to reside within 75 miles of Albuquerque, NM, and to travel locally for in‑person claim activities using a personal vehicle.
- Compliance: Willingness to complete required licensing exams, background checks, and pre‑employment assessments as stipulated by State Farm and state regulations.
Preferred Qualifications – How You Can Stand Out
- Professional certifications such as AIC (Associate in Claims) or CPCU (Chartered Property‑Casualty Underwriter).
- Previous experience in a remote or field‑based claims environment.
- Fluency in Spanish or another language commonly spoken in the Albuquerque region.
- Demonstrated expertise in using data‑analytics tools to drive claim‑resolution efficiencies.
- Experience collaborating with independent medical experts, forensic investigators, or repair facilities.
Key Skills & Competencies – The DNA of Success
- Empathy & Customer Focus: Ability to listen actively, understand the emotional impact of injury, and guide claimants with patience and respect.
- Negotiation Mastery: Skilled at reaching mutually beneficial settlements while safeguarding the company’s risk exposure.
- Problem‑Solving: Creative, solution‑oriented mindset for navigating complex or high‑severity claims.
- Regulatory Knowledge: Up‑to‑date awareness of state insurance statutes, coverage regulations, and industry best practices.
- Ethical Judgment: Commitment to integrity, confidentiality, and adherence to State Farm’s code of conduct.
- Adaptability: Comfort with fluctuating work schedules, overtime, and occasional out‑of‑territory assignments driven by business needs.
Career Growth & Learning Opportunities
State Farm is dedicated to helping you reach your full potential. As a Remote Auto Injury Claim Specialist, you will have access to:
- Structured Development Paths: Clear career ladders leading from specialist to senior claim specialist, claims manager, and eventually regional leadership roles.
- Tuition Assistance: Up to 100% tuition reimbursement for approved degree programs, certifications, and professional courses.
- Mentorship Programs: Pairing with seasoned claims professionals who will share insights, feedback, and industry knowledge.
- Internal Mobility: Opportunities to transition across claim lines (e.g., property, liability, or commercial) and explore roles in underwriting, risk management, or analytics.
- Continuous Learning: Regular webinars, workshops, and e‑learning modules focusing on legal updates, emerging injury trends, and technology tools.
Compensation, Perks & Benefits – What You’ll Receive
We recognize that competitive compensation and a robust benefits package are essential to attract top talent. While exact figures will depend on experience and qualifications, successful candidates can expect:
- Base Salary Range: $66,000 – $82,000 annually, commensurate with expertise and performance.
- Performance Bonus: Annual discretionary bonus tied to individual and enterprise results.
- 401(k) Matching: Company contributions to help you build a secure retirement.
- Paid Time Off (PTO): Generous vacation accrual, plus 5 days of “Life Leave” for personal or family emergencies.
- Volunteer Time Off: Paid days to support community initiatives that matter to you.
- Wellness Programs: Access to mental‑health resources, employee assistance programs, and fitness incentives.
- Discount Perks: Savings on a wide range of retailers through the Perks at Work platform.
- Flexible Work Model: Remote‑field arrangement that encourages work‑life balance while still delivering in‑person customer service.
Work Environment & Culture – What It’s Like to Be Part of the Team
Our culture is built on four foundational pillars: Integrity, Service, Innovation, and Community. We nurture an environment where:
- Collaboration is the norm—cross‑functional teams work together to solve complex claim scenarios.
- Every voice is heard—regular town‑halls, feedback loops, and open‑door policies empower employees to shape the organization.
- Recognition is frequent—celebrations for milestones, achievements, and community contributions keep morale high.
- Technology drives efficiency—state‑of‑the‑art claims platforms, analytics dashboards, and mobile tools support you in delivering swift, accurate resolutions.
Our remote‑field model blends the comfort of a home office with the dynamic, hands‑on nature of field work, allowing you to enjoy a balanced lifestyle while making meaningful, face‑to‑face connections with claimants.
Application Process – How to Take the Next Step
Ready to bring your expertise, compassion, and drive to a company that values both performance and people? Follow these simple steps:
- Submit Your Resume & Cover Letter: Highlight your claims experience, legal exposure, and any certifications.
- Complete the Pre‑Employment Assessment: State Farm employs a brief aptitude and personality test to ensure alignment with our core values.
- Interview Stages: Expect a mix of behavioral, technical, and situational interviews with hiring managers and senior claims leaders.
- Licensing & Background Checks: Successfully pass all required state licensing exams and background screenings.
- Onboarding & Training: Participate in a comprehensive onboarding curriculum that equips you with product knowledge, system training, and field‑work protocols.
Join Us – Make a Difference Every Day
At State Farm, you won’t just process claims—you’ll help people rebuild their lives after unexpected events. If you’re a proactive, detail‑oriented professional who thrives in a hybrid remote‑field setting and cares deeply about customer advocacy, we want to hear from you.
Apply today and become a vital part of a #1 team that is dedicated to doing good, supporting communities, and delivering excellence in every claim we handle.
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