Bodily Injury Adjuster - Represented, Complex/Severe - Remote

Allstate • Dayton, OH

2d • $56,000 - $92,000 • Remote

About The Position

The Represented Bodily Injury Adjuster investigates automobile accidents involving one or multiple vehicles that result in property damage and/or bodily injury, focusing on complex and severe claims. Working remotely, the adjuster assesses coverage, liability, and damages; provides customer service; and communicates with customers and attorneys by phone, email, and text. Using claims tools and platforms, the adjuster evaluates and negotiates fair injury settlements with the parties involved.

The role combines customer service, investigation, communication, negotiation, problem-solving, and accurate claim documentation. The adjuster is expected to handle claims independently, apply policy terms and applicable legal and business standards, keep customers informed using their preferred communication channel, and maintain timely, accurate records in the claims system. The team primarily handles claims in Ohio, Michigan, and Indiana. Candidates in the Central and Eastern time zones are preferred.

The first approximately six to nine weeks are dedicated to onboarding, licensing if applicable, and role-specific training. Candidates must attend required training sessions, participate in virtual learning activities, and successfully complete the program. Where required, adjuster and/or appraiser licenses must be obtained within 60 days of hire. Active insurance license holders must terminate existing appointments before onboarding and may not hold outside appointments during employment; applicants who hold a resident producer license must surrender it when instructed by the licensing team.

The position is remote and requires a dedicated, private workspace free from distractions, appropriate desk and seating, and reliable internet with minimum speeds of 50 Mbps download and 5 Mbps upload. Allstate provides a laptop, monitors, headset, keyboard, and mouse; eligible employees also receive a monthly connectivity reimbursement.

Requirements

• At least 3 years of experience handling represented complex/severe casualty claims.
• Strong communication skills, particularly by phone, including the ability to establish rapport and assess claims accurately.
• Ability to work independently and remotely and manage time efficiently.
• Familiarity with insurance policies, coverage, and liability determination.
• Strong critical-thinking and problem-solving skills to evaluate and negotiate injury claims.
• Knowledge of tools and platforms used for claims evaluation.
• Ability to attend required training sessions, participate in virtual learning activities, and successfully complete the training program.
• If applicable, ability to secure required adjuster and/or appraiser license(s) within 60 days of hire.
• Current insurance license holders must terminate existing appointments before onboarding and may not hold outside appointments during employment; resident producer license holders must surrender that license when instructed.
• For remote work, a dedicated private workspace, appropriate desk and seating, and reliable internet of at least 50 Mbps download and 5 Mbps upload are required.

Nice To Haves

• Candidates in the Central or Eastern time zones are preferred.

Responsibilities

• Investigate automobile casualty claims involving complex or severe property damage and/or bodily injury.
• Review claim details and damage, interpret insurance policies, and determine coverage and liability.
• Communicate with customers, attorneys, vendors, third-party carriers, and claimants by phone, email, text, and sometimes video chat.
• Provide empathetic customer service and keep customers updated using their preferred communication method.
• Evaluate and negotiate claim settlements in accordance with legal and business standards, including handling challenging and complex negotiations.
• Use estimate tools, job aids, settlement platforms, and other claims tools to evaluate claims and resolve problems.
• Apply policies according to policy agreements and maintain timely, accurate documentation in the claims system.
• Attend required onboarding and training sessions, participate in virtual learning activities, and complete the training program.
• Obtain any required adjuster and/or appraiser license within 60 days of hire, if applicable.

Benefits

• Benefits package available from the first day of employment, including time off, healthcare, and retirement benefits.
• Competitive pay and support for continuous development and career advancement.
• Flexible scheduling and a time-off policy intended to support work/life balance.
• Initial and ongoing training.
• 401(k) and pension.
• Education reimbursement.
• Programs to help employees balance work and other aspects of life.
• Company-provided laptop, monitors, headset, keyboard, and mouse.
• Monthly connectivity reimbursement for employees eligible to work from home.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed