Claims Handler Bodily Injury (Senior/Specialist)

As a Personal Injury Claims Specialist, you are responsible for the substantive and independent handling of personal injury claims within a Liability (AVB) portfolio. You assess the liability of companies and other insured parties, map out the extent and impact of the injury, and ensure a careful and efficient settlement of complex claims.

You work at the intersection of legal assessment, claims handling, negotiation, and relationship management. In doing so, you keep an eye on the interests of both the injured party and the insured and the insurer. For complex files, you work closely with, among others, lawyers, advocates, medical advisors, loss adjusters, and experts.

Responsibilities

• Independent handling of medium to complex personal injury claims within the AVB portfolio.

• Assessing liability and coverage based on policy conditions, laws and regulations, and relevant case law.

• Analyzing the circumstances and assessing the degree of liability of the insured.

• Identifying and assessing the medical, work-related, and personal consequences of the injury.

• Assessing damage items, including loss of earning capacity, medical costs, household help, loss of self-employment, and non-pecuniary damages.

• Establishing and monitoring adequate loss reserves.

• Conducting negotiations with advocates and other involved parties regarding advances and final settlements.

• Coordinating external experts, such as loss adjusters, medical advisors, and lawyers.

• Maintaining contact with insured parties and advising them on the handling and progress of claims.

• Identifying and managing legal, financial, and reputational risks within files.

• Recognizing and investigating potential fraud or other irregularities.

• Ensuring correct, timely, and customer-oriented file handling.

• Monitoring portfolio developments, loss ratios, and trends, and reporting on these where necessary.

• Contributing to a consistent and high-quality handling of the AVB portfolio.

You are an experienced and independent claims handler with a strong legal and analytical foundation. You can fathom complex liability and personal injury files and are able to reach a well-substantiated position based on facts, legal frameworks, and financial interests.

In addition, you possess strong negotiation and communication skills. You can deal well with conflicting interests and emotionally charged situations and know how to bring files to a solution in a professional manner.

• Liability law and personal injury

• Analytical and legal thinking ability

• Negotiation and conflict management

• Damage and reserve assessment

• Stakeholder management

• Decisiveness and ownership

• Customer and solution orientation

• Accuracy and file discipline

• Risk awareness

• Strong oral and written communication