Insurance Claims / Underwriting

Claims

Our ability to anticipate and respond to changing needs is evident in our state-of the-art Claims operation. Here are just a few of the opportunities available in Claims:

Catastrophe Team

Check out our "Job Preview" for State Farm Catastrophe Services®.

Claim Representative

• Investigates, evaluates, negotiates, and settles claims
• Verifies coverage, legal liability, and extent of damage to people and property
• Prepares computerized estimates in loss settlements
• Answers insurance-related questions from callers

Claim Processor

• Applies claims settlement procedures to process claims assigned by claim management, claim representatives, and/or electronic assignment
• Provides assistance to claim representatives by initiating claim payments, and/or closing assigned files, as directed
• Recognizes, refers, and processes subrogation of claims
• Answers insurance-related questions from callers

Estimator (Auto and Structural)

• Inspects damaged vehicles and/or structures
• Prepares auto and/or structural repair estimates and interprets estimates for owners
• Determines actual cash value in total loss cases
• Maintains knowledge of repair practices, structural design, and acceptable and satisfactory work by mechanic or metal finisher (auto)

Health Claim Examiner

• Evaluates health insurance claims and determines payment codes and amounts
• Interprets policy contracts and data to determine coverage
• Reviews medical bills for reasonable and customary treatment as it relates to the policy contract
• Works with customers, State Farm agents, attorneys, medical providers, and other insurance companies to resolve health insurance claims
  

Underwriting

Our ability to anticipate and respond to changing needs is evident in our state-of the-art operation. Here are just a few of the opportunities available in Underwriting:

Property and Casualty (Auto)

More than 5,000 associates represent State Farm Auto Underwriting Operations. Our work includes:

• Supporting Zone underwriting practices by creating policies and formulating policies relating to the underwriting process
• Monitoring compliance with the policies
• Assisting the Actuarial Department with rating issues
• Monitoring proposed legislation that affects underwriting policies
• Working with IT/Systems to develop underwriting systems
• Providing training for Zone office underwriting employees

Property and Casualty (Fire)

More than 3,000 employees represent State Farm Fire Underwriting Operations. Our work includes:

• Supporting underwriting practices for Zone operations by formulating policies for the underwriting process
• Evaluating compliance with established polices
• Assisting Zone operations in specialty areas such as loss control, natural hazards, and premium auditing
• Providing education and training resources for Zones
• Working with IT/Systems to develop underwriting systems and programs

Health

The work of the Health General Underwriting Department includes:

• Providing support, service, and direction to Health operations
• Performing a periodic quality review and evaluation process in the underwriting areas
• Developing, updating, and communicating underwriting philosophy and procedures
• Reviewing state and federal legislation, which may affect Health underwriting
• Working with IT/Systems to design and update system enhancements

Back to Career Areas