Bodily Injury Adjuster - Florida

AAA-The Auto Club Group•Tampa, FL

23h•$70,000 - $85,000•Hybrid

About The Position

As a Pre-Litigation Bodily Injury Adjuster, you will be at the forefront of resolving complex injury claims and delivering meaningful outcomes for customers during some of life's most challenging moments. In this highly impactful role, you will investigate, evaluate, negotiate, and resolve bodily injury claims before litigation, leveraging your expertise. This position offers an exciting opportunity to make informed decisions, manage a dynamic caseload, and play a key role in achieving exceptional claim results through proactive engagement and strategic claim handling.

Requirements

In states where an Adjuster’s license is required, the candidate must have a Florida State Adjuster License.
Degree in Business Administration, Insurance or a related field or the equivalent in related work experience
A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.
Three years of experience or equivalent training in negotiation of claim settlements
Three years of experience or equivalent training in securing and evaluating evidence
Three years of experience or equivalent training in preparing manual and electronic estimates
Three years of experience or equivalent training in subrogation claims
Three years of experience or equivalent training in resolving coverage questions
Three years of experience or equivalent training in taking statements
Three years of experience or equivalent training in establishing clear evaluation and resolution plans for claims
Advance knowledge of Fair Trade Practices Act as it relates to claims
Advance knowledge of Subrogation procedures and processes
Advance knowledge of Intercompany arbitration
Advance knowledge of Handling simple litigation
Advance knowledge of Negligence Law
Advance knowledge of No-Fault Law
Advance knowledge of medical terminology and human anatomy
Handle claims to the line Claim Handling Standards
Follow and apply ACG Claim policies, procedures and guidelines
Work within assigned ACG Claim systems including basic PC software
Perform basic claim file review and investigations
Demonstrate effective communication skills (verbal and written)
Demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns
Analyze and solve problems while demonstrating sound decision-making skills
Prioritize claim related functions
Process time sensitive data and information from multiple sources
Manage time, organize and plan workload and responsibilities
Research analyze and interpret subrogation laws in various states
Travel outside of assigned territory which may involve overnight stay
Relocate, work evenings or weekends
Must reside within 50 miles from Tampa, Florida

Nice To Haves

Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience
Complete ACG Claim Representative Training Program or demonstrate 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

Reviewing assigned claims
Contacting the insured and other affected parties
Setting expectations for the remainder of the claim process, and thoroughly documenting activities in the claim file
Complete complex coverage analysis
Ensure all possible policyholder benefits are identified
Complete an investigation of the facts regarding the claim
Determine if the claim should be paid and confirm recovery potential
Conducting thorough reviews of damages and determining the applicability of state law and other factors related to the claim
Identify when to refer claims to other company units (e.g., Underwriting, Subrogation or Special Investigation Unit)
Possess strong critical thinking and negotiating skills
Handle both attorney represented and unrepresented claimants with injury claims that may involve coverage investigation, liability disputes, bodily injuries, and litigation
Assist Claim Manager with file reviews and training

Benefits

PTO, paid sick leave
Medical plans with multiple coverage options, including HSA eligibility
Prescription drug coverage
Dental and vision benefits
Employee Assistance Program (confidential support services)
Company-paid basic life insurance
Optional supplemental life insurance and dependent coverage
Short-term and long-term disability coverage
Critical illness, accident, and pet insurance options
401(k) plan
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options
Paid holidays
1 mental health day
2 floating holidays
1 volunteer day
Paid leave programs, including parental, bereavement, jury duty, and military leave
Tuition assistance (up to $5,250 annually; 80% covered by ACG)
Professional certification support with 100% reimbursement for eligible programs
Opportunities for career development and advancement
Complimentary AAA membership with roadside assistance and travel discounts
Adoption assistance program