Consultant Casualty Claims - Auto PIP - MI

Overview

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Claims team is currently seeking a Consultant Casualty Claims - Auto PIP - MI (Michigan).

This is a full-time, exempt role with a hybrid work schedule (two days in the office) at one of our Hanover offices:

• Worcester, MA
• Richmond, VA
• Syracuse, NY
• Itasca, IL
• Howell, MI
• Southfield, MI
• Grand Rapids, MI

The Consultant Casualty Claims is responsible for managing a caseload of moderate complexity claims from start to finish. This includes conducting thorough investigations, assessing liability, negotiating settlements within defined authority limits, and maintaining clear communication with claimants, third parties, and legal representatives. The role requires strong analytical skills, sound judgment, and adherence to company policies and regulatory standards throughout the claims process.

• Manage a caseload of moderately complex casualty claims from intake through resolution.
• Conduct thorough investigations, assess liability, and evaluate damages using established procedures.
• Collaborate with underwriting, legal, and internal/external stakeholders as needed to ensure comprehensive claim evaluation.
• Identify and refer potentially suspicious claims to the Special Investigations Unit.
• Apply comparative negligence laws and state-specific regulations to claim assessments.
• Set reserves, authorize payments, and demonstrate financial acumen within scope of authority.
• Utilize technology and data tools to enhance claims processing efficiency and accuracy.
• Communicate directly with claimants, legal representatives, and third parties to negotiate fair resolutions.
• Maintain detailed and compliant documentation of claim activities and communications.
• Participate in team collaboration, problem-solving discussions, and cross-functional coordination.
• Support subrogation efforts and risk transfer opportunities to benefit insureds and business partners.
• Handle sensitive communications professionally and translate complex information for diverse audiences.
• Mentor entry-level claim handlers and share best practices learned through training and experience.
• Attend ongoing training and education to maintain licensing and stay current on industry standards.
• Independently manage indemnity, medical, and basic arbitration or mediation components of claims with supervisory support.
• Must possess or obtain and maintain appropriate state adjuster licenses.

• Associate degree or bachelor’s degree preferred or combination of education and experience.
• Typically has 2+ years of relevant Michigan PIP claims handling experience.
• Experience handling Minnesota claims.
• Conduct independent analysis of contractual indemnification.
• Independently execute indemnity, medical, litigation/resolution management.
• Proficient with basic computer navigation; ability to use basic software systems/applications (MS Office) and internet.
• Learn and handle negotiations independently within authority, understand common tactics for moderately complex claim resolution.
• Use judgment and effectively utilize the most suitable communication channel while displaying empathy towards all stakeholders.
• Knowledge of various types of insurance products and processes.
• Conduct thorough investigations; identify key issues and gather evidence.
• Provide effective empathetic customer service; handle routine inquiries and issues.

• Analytical Reasoning:
  Identify problems, gather input and data, and develop effective solutions.
• Customer Centricity:
  Focus on customers' needs and build trust; meet or exceed expectations.
• Digital Fluency:
  Use digital tools and technology to navigate platforms and improve productivity.
• Persuasion and Influence:
  Use interpersonal skills to gain genuine agreement and workable solutions.
• Professional Insurance Acumen:
  Apply technical insurance knowledge to address complex challenges and stay current with industry trends.
• Planning and…