Bodily Injury Adjuster - Represented, Moderate/Complex - MD, VA, DC, DE, WV (Remote)

Allstate • USA - MD (Remote), MD

13d • $56,000 - $92,000 • Remote

About The Position

The Represented Bodily Injury Adjuster investigates automobile accidents involving one or more vehicles that result in property damage and/or bodily injury with attorney or litigation involvement. The adjuster assesses coverage, liability, and damages; communicates with customers and attorneys by phone, email, and text; and uses company platforms and tools to negotiate fair and timely injury settlements. The role is permanently remote and home-based, and candidates must reside in the Eastern or Central time zones. It is unavailable to residents of California, Washington, Alaska, Hawaii, and Puerto Rico.

The position requires compassionate, clear customer service; independent investigation of casualty claims; effective communication with customers; evaluation and negotiation of settlements with customers, vendors, third-party carriers, and claimants; and accurate, timely claim documentation. The adjuster uses estimate tools, job aids, settlement platforms, and a claims system, and applies critical thinking to challenging and complex claims.

The schedule is Monday through Friday, 8:00 a.m. to 4:30 p.m. Eastern Time. Employees must work from a dedicated, private, distraction-free home office in the United States, with appropriate work surface and seating and internet bandwidth of at least 50 MB download and 5 MB upload. Allstate provides a technology bundle including a laptop, monitors, headset, keyboard, and mouse, plus an $80 monthly connectivity reimbursement.

Depending on the employee’s office or area, an adjuster and/or appraiser license may be required, along with an additional background check. Required licenses must be secured within 60 days of hire. Candidates with applicable active licenses may be eligible for a $1,000 licensing sign-on bonus, subject to stated exclusions. Compensation is $56,000–$92,000 annually, based on experience and qualifications. Benefits begin on Day 1 and include time off, healthcare, retirement, training, and development opportunities.

Requirements

• Candidates must reside in the Eastern or Central time zones; the role is unavailable to residents of California, Washington, Alaska, Hawaii, and Puerto Rico.
• Ability to work independently and remotely while managing time efficiently.
• Proficient communication skills, especially by phone, to establish rapport and assess claims accurately.
• Familiarity with insurance policies, coverage, and liability determination.
• Strong critical-thinking and problem-solving skills to evaluate and negotiate injury claims.
• Ability to work from a dedicated, private, distraction-free home office in the United States with appropriate work surface and seating.
• Minimum home internet bandwidth of 50 MB download and 5 MB upload.
• If required for the employee’s office or area, obtain an adjuster and/or appraiser license within 60 days of hire and pass an additional background check.
• Applicants with an active insurance license must terminate existing appointments before onboarding and may not hold outside appointments during employment. Applicants for adjuster roles who hold a resident producer license must surrender it when instructed by the licensing team.
• Submit to a background investigation.

Nice To Haves

• Prior represented third-party casualty claim handling experience.
• Maryland, Virginia, West Virginia, Delaware, or Washington, DC bodily injury claims experience.
• Three or more years of moderate/complex bodily injury claim handling experience.
• Knowledge of innovative tools and platforms for effective claims evaluation.
• Applicable active licenses for the role may qualify the candidate for a licensing sign-on bonus.

Responsibilities

• Investigate automobile accidents involving single or multiple vehicles, including claims with attorney or litigation involvement.
• Assess coverage, liability, and damages by reviewing claim details and interpreting insurance policies.
• Provide customer service and communicate with customers and attorneys by phone, email, text, and sometimes video chat.
• Evaluate and negotiate claim settlements with customers, vendors, third-party carriers, and claimants in accordance with legal and business standards.
• Use negotiation tactics to handle challenging and complex situations and pursue fair, timely injury settlements.
• Use estimate tools, job aids, and settlement platforms to evaluate and resolve claims.
• Apply company policies and policy agreements to protect the company financially.
• Maintain clear, timely, and accurate claim documentation in the claims system.

Benefits

• Day 1 benefits package including time off, healthcare, and retirement.
• 401K/pension.
• Education reimbursement.
• Flexible scheduling and a time-off policy intended to support work/life balance.
• Initial and ongoing training.
• Support for continuous development and career advancement.
• Technology bundle for home-based work: laptop, monitors, headset, keyboard, and mouse.
• $80 monthly connectivity reimbursement.
• Potential $1,000 licensing sign-on bonus for candidates with applicable active licenses, subject to exclusions.

What This Job Offers

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