Adjuster Complex Bodily Injury
About The Position
United Automobile Insurance Company (UAIC), a family-owned property and casualty insurer founded in 1989, is seeking a Complex Bodily Injury Adjuster. The role investigates, evaluates, negotiates, disposes of, and settles auto liability claims in Florida, Texas, Indiana, and Georgia to determine legal liability, damages, and coverage. Claims may involve severe or catastrophic injuries or damages, higher coverage limits, complex issues, and high-exposure events. The adjuster is expected to work with minimal supervision, develop potential exposures, make sound evaluations, and set appropriate indemnity reserves while protecting insureds and the Company’s financial interests. The position offers a remote work arrangement for a candidate located within the Southeast region. An associate or bachelor’s degree is preferred, and/or 3–5 years of related experience, preferably in bodily injury claims. An active adjuster’s license is required; bilingual English and Spanish ability is listed.
Requirements
- Active adjuster’s license.
- Associate or bachelor’s degree preferred and/or 3–5 years of related work experience, preferably with bodily injury claims.
- Bilingual in English and Spanish.
- Proficiency with Word, Excel, Windows-based applications, and internet usage.
- Familiarity with forms, procedures, regulations, coverages, and business processes.
- Ability to exercise good judgment and state opinions assertively.
- Ability to write and speak clearly and concisely.
- Ability to work effectively in a highly intense environment while handling multiple tasks, prioritization, desk management, and competing demands.
- Analytical skills to identify, gather, and organize information.
- Ability to work independently in a team environment.
Nice To Haves
- Non-standard auto industry experience.
- Guidewire knowledge.
Responsibilities
- Request medical records and bills for independent review.
- Contact claimants’ PIP carriers to verify coverage and benefits paid; take statements on coverage issues and notify Underwriting of problems.
- Confirm whether the tortfeasor has insufficient or no coverage.
- Evaluate claimed injuries and identify strengths and weaknesses in the claimant’s and insured’s positions.
- Review property-damage and collision photographs.
- Track required correspondence and review claim files.
- Send excess letters to insureds in serious-injury and multiple-competing-claim situations.
- Negotiate settlements with attorneys or unrepresented claimants and identify and note settlement lien holders.
- Keep insureds advised of claim and settlement developments, and reserve the Company’s rights when appropriate.
- Prepare and send release and hold-harmless documents upon settlement.
- Evaluate claims for potential fraud and work with the Special Investigations Unit as required.
- Assess actual claim damages and conduct settlement negotiations.
- Determine whether subrogation exists and initiate recovery efforts as necessary.
- Determine whether evidence preservation or specialists are needed, including independent adjusters, cause-and-origin experts, independent medical examiners, economists, accident reconstructionists, and engineers.
- Respond to settlement demands in a timely and appropriate manner.
- Keep internal and external customers informed of file status and other required matters.
- Handle first reports of bodily injury claims proficiently.
- Recognize other relevant claim exposures accurately.
- Identify and present files requiring further management review.
Benefits
- 401(k) Retirement Savings Plan with employer match.
- Comprehensive medical, prescription drug, vision, and dental insurance.
- Paid time off, holidays, and leave programs.
- Flexible spending accounts.
- Basic life insurance and voluntary life/ADD.
- Short-term and long-term disability.
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What This Job Offers
Job Type
Full-time
Education Level
Associate degree
