Bodily Injury Adjuster - Florida

AAA-The Auto Club Group•Tampa, FL

3d•$70,000 - $80,000•Hybrid

About The Position

The Pre-Litigation Bodily Injury Adjuster investigates, evaluates, negotiates, and resolves bodily injury claims before litigation. The role manages a dynamic caseload, makes informed decisions, and works proactively to achieve effective claim outcomes for customers. The position is hybrid in Tampa, Florida, and applicants must reside within 50 miles of Tampa. The schedule is Monday through Friday, 8:00 a.m. to 5:00 p.m. ET. The Auto Club Group (ACG) provides membership, travel, insurance, and financial services to approximately 14 million members and customers across 14 states and two U.S. territories through AAA, Meemic, and Fremont brands. The role includes a competitive annual salary of $70,000–$80,000 and an opportunity for an annual company bonus incentive. ACG offers a comprehensive benefits package, career development opportunities, and an inclusive workplace.

Requirements

A Florida State Adjuster License is required where an adjuster’s license is required.
A degree in Business Administration, Insurance, or a related field, or equivalent related work experience.
Three years of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, and establishing clear claim evaluation and resolution plans.
Advanced knowledge of the Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, and intercompany arbitration.
Advanced knowledge of handling simple litigation, negligence law, no-fault law, medical terminology, and human anatomy.
Ability to handle claims to Claim Handling Standards and follow and apply ACG Claim policies, procedures, and guidelines.
Ability to work within assigned ACG Claim systems, including basic PC software.
Effective verbal and written communication and customer service skills.
Problem-solving, sound decision-making, prioritization, time management, organization, and workload-planning skills.
Ability to process time-sensitive data and information from multiple sources and research, analyze, and interpret subrogation laws in various states.
Ability to travel outside the assigned territory, possibly overnight; the posting also lists relocation and evening or weekend work among role-related capabilities.
A valid driver’s license is required if the primary responsibilities involve in-person inspections or frequent in-person meetings with members.
Must reside within 50 miles of Tampa, Florida.

Nice To Haves

Associate degree in Business Administration, Insurance, or a related field, or equivalent related work experience.
Completion of the ACG Claim Representative Training Program or equivalent knowledge or experience.
Completion of the Insurance Institute of America’s General Insurance Program, Associate in Claims, Associate in Management, or equivalent.
CPCU coursework or designation.

Responsibilities

Review assigned claims.
Contact the insured and other affected parties and set expectations for the remainder of the claim process.
Initiate documentation in the claim handling system.
Complete complex coverage analyses and identify all possible policyholder benefits.
Create additional sub-claims when needed.
Investigate claim facts to determine whether the claim should be paid, applicable limits or exclusions, and potential recovery opportunities.
Review damages and determine the applicability of state law and other claim-related factors.
Evaluate the financial value of the loss.
Approve payments for the appropriate parties.
Refer claims to other company units when necessary, including Underwriting, Recovery Units, or the Claims Special Investigation Unit.
Document and/or code claim files thoroughly and complete claim closure and related activities in the assigned claims management system.
Negotiate claim resolutions.
Handle claims according to Claim Handling Standards and apply ACG Claim policies, procedures, and guidelines.
Perform basic claim-file reviews and investigations.
Communicate effectively with insureds and claimants, build and maintain relationships, and respond to questions and concerns.
Analyze and solve problems, demonstrate sound decision-making, prioritize claim functions, and process time-sensitive information from multiple sources.
Manage time and organize and plan workload and responsibilities.
Research, analyze, and interpret subrogation laws in various states.
Travel outside the assigned territory, potentially involving overnight stays; the posting also lists relocation and working evenings or weekends among role-related capabilities.

Benefits

Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program.
Company-paid basic life insurance and optional supplemental life insurance and dependent coverage.
Short-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
401(k) plan, including company matching and an additional company contribution.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off.
Company-paid holidays, a mental health day, floating holidays, and volunteer day for eligible full-time employees.
Paid parental, bereavement, jury duty, and military leave programs.
Tuition assistance up to $5,250 annually, with 80% covered by ACG.
100% reimbursement for eligible professional certification programs.
Career development and advancement opportunities.
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance.
Opportunity for an annual company bonus incentive.