Early Bodily Injury (EBI) Auto Adjuster

United Auto Insurance•Miami Gardens, FL

3d•Onsite

About The Position

The Early Bodily Injury (EBI) Adjuster is responsible for investigating, evaluating, negotiating, and resolving low-complexity automobile claims involving non-represented bodily injury claimants and related property damage. This role manages claims from initial investigation through settlement by evaluating coverage, determining liability, assessing damages, and negotiating fair, timely resolutions while delivering exceptional customer service and ensuring compliance with company policies and applicable state regulations. The ideal candidate possesses strong investigative, analytical, and negotiation skills and thrives in a fast-paced environment while managing a high-volume caseload.

Requirements

1–3 years of automobile claims adjusting experience handling property damage claims.
Prior bodily injury claims experience is required; candidates must demonstrate a willingness to develop expertise in bodily injury claims handling.
Active Florida All-Lines Adjuster License.
Strong investigative, analytical, organizational, and decision-making skills.
Excellent written, verbal, and interpersonal communication skills.
Effective negotiation and customer service abilities.
Ability to manage a high-volume caseload while meeting productivity and quality expectations.
Proficiency with claims management systems and Microsoft Office applications.

Nice To Haves

Bachelor's degree or an equivalent combination of education and experience.
Experience handling early bodily injury claims involving non-represented claimants.
Knowledge of medical terminology and automobile repair estimating.
Experience with coverage analysis and liability investigations.

Responsibilities

Investigate and manage a caseload of non-represented bodily injury and related property damage claims.
Review insurance policies, police reports, medical records, repair estimates, photographs, and other supporting documentation to determine coverage, liability, and damages.
Evaluate minor bodily injury claims, including soft tissue injuries, and review vehicle damage using industry-standard estimating tools, as applicable.
Document claim investigations, evaluations, and decisions accurately and thoroughly.
Negotiate fair and timely settlements for bodily injury and property damage claims within assigned authority.
Communicate professionally with insureds, claimants, repair facilities, medical providers, and other stakeholders throughout the claims process.
Maintain complete, accurate, and timely claim files.
Identify and escalate complex claims, coverage issues, suspected fraud, or litigated matters as appropriate.
Collaborate with Underwriting, Legal, Special Investigations, and other internal departments to facilitate efficient claim resolution.
Ensure compliance with company policies, state regulations, and industry standards while providing exceptional customer service.