Adverse Auto Subrogation Adjuster

United Auto Insurance•Miami Gardens, FL

16d•Remote

About The Position

United Automobile Insurance Company (UAIC), a family-owned and established organization since 1989, is seeking a Third-Party PD Adjuster to join their team. UAIC is one of the largest privately held property and casualty insurance companies in the United States, known for its commitment to quality service, disciplined underwriting, and strategic claims handling. The company invests significantly in personnel and technology to ensure maximum efficiency and specialized operations, leading to its market leadership in every state where it operates. This role is offered as a remote work arrangement within the Southeast region.

Requirements

Minimum of 3-5 years of experience in subrogation, claims adjusting, or a related field within the property and casualty insurance industry.
In-depth knowledge of insurance policies, subrogation principles, and legal concepts related to property and casualty claims.
Strong analytical and investigative skills, with the ability to assess liability and recovery potential.
Excellent negotiation and communication skills, both written and verbal.
Proficiency in claims management software and Microsoft Office Suite.
Ability to manage a high volume of cases with attention to detail and accuracy.
Strong organizational skills, with the ability to prioritize and manage multiple tasks effectively.
Adjusters license required.

Nice To Haves

Bachelor’s degree in business or a related field preferred.
Bilingual preferred.

Responsibilities

Review and analyze claims to establish liability, reviewing incoming subrogation demands from adverse carriers and review damages to rule out excess.
Investigate incidents to establish liability and damages presented by adverse carriers, including reviewing accident reports, interviewing witnesses, gathering physical evidence, and obtaining police reports and repair estimates.
Gather and organize all necessary documentation to support the subrogation claim, such as contracts, invoices, photos, and legal documents, ensuring all relevant evidence is preserved and accurately recorded.
Clearly communicate the basis for the demand, outlining the damages incurred and the rationale for liability.
Engage in negotiations with adverse adjusters, third-party insurers, attorneys to reach favorable settlements, using knowledge of liability law and negotiation tactics to maximize settlements.
For cases where settlements cannot be achieved, monitor claim closely for litigation and make the necessary efforts to communicate with the insured.
Keep detailed records of all subrogation activities, including communications, negotiation efforts, and payments made, ensuring all case files are up-to-date and organized for easy access and review.
Track the status of each subrogation file, ensuring timely follow-up and resolution, and regularly update internal systems with progress notes and settlement outcomes.
Provide regular updates and reports to management on the status of subrogation claims, including settlements achieved, challenges encountered, and potential improvements to processes.
Work closely with claims adjusters, underwriters, and legal teams to gather information, develop recovery strategies, and support the subrogation process, sharing insights and findings to assist in improving overall claims handling and subrogation practices.
Maintain effective communication with external stakeholders, including insurers, attorneys, and claimants, ensuring all communications are professional, clear, and conducive to achieving goals.
Ensure that all subrogation activities are conducted in compliance with applicable laws, regulations, and company policies, staying informed of changes in legislation and industry standards that may impact subrogation practices.
Contribute to the development and implementation of best practices for claims handling and settlements, identifying opportunities for process improvements and working with management to enhance efficiency and effectiveness in subrogation efforts.
Adhere to subrogation performance metrics and participate in review of metrics monthly to identify areas for improvement.
Participate in training and development opportunities to enhance skills and stay current with industry trends and best practices.
Participate in special projects or initiatives as assigned by management, including process improvement efforts, system upgrades, or training programs.
Assist other departments as needed, providing expertise in subrogation and contributing to overall company goals and objectives.