Liability Bodily Injury Claims Adjuster

Whip, Inc.•Rockville, MD

1d•$75,000 - $85,000•Remote

About The Position

Whip is seeking an experienced Liability Bodily Injury (BI) Claims Adjuster to support its auto insurance claims operations. This remote role is responsible for investigating, evaluating, negotiating, and resolving third-party bodily injury claims arising from automobile accidents involving Whip’s rental fleet. The adjuster independently manages claims from initial investigation through resolution, evaluates bodily injury exposures, and works toward fair, accurate, and cost-effective outcomes. Personal Injury Protection (PIP) experience is highly preferred. The successful candidate will bring strong investigative skills, sound judgment, and the ability to manage complex claims. They will take ownership of their claims, communicate effectively with stakeholders, critically evaluate injury claims, and develop well-supported resolution strategies. The role also contributes to strengthening Whip’s internal claims operations and developing an efficient, disciplined, and scalable claims organization.

Requirements

At least 5 years of experience handling automobile bodily injury liability claims, preferably with an insurance carrier, third-party administrator, or self-insured organization.
Demonstrated experience independently investigating, evaluating, negotiating, and resolving third-party bodily injury claims.
Strong understanding of negligence, liability determinations, comparative fault, bodily injury damages, and settlement practices.
Experience reviewing medical records, analyzing treatment, and evaluating injury-related damages.
Proven ability to manage attorney-represented claims and negotiate settlements.
Experience establishing, monitoring, and adjusting claim reserves.
Strong understanding of claims investigation procedures, documentation standards, and regulatory requirements.
Excellent negotiation, communication, analytical, and organizational skills.
Ability to independently manage a high-volume claims inventory while maintaining accuracy and attention to detail.
Proficiency with claims management systems and standard business software.
Ability to obtain or maintain applicable claims adjuster licenses as required.

Nice To Haves

Direct experience handling Personal Injury Protection (PIP) claims, particularly in Maryland or other no-fault jurisdictions.
Experience reviewing medical bills, assessing treatment necessity, and identifying billing irregularities.
Experience handling moderate-to-complex bodily injury claims, including litigated and attorney-represented matters.
Familiarity with commercial auto insurance, rideshare operations, rental vehicles, or transportation-related liability claims.
Experience working within a self-insured organization, risk retention group, or third-party claims administration environment.
Familiarity with multi-state auto liability claims and jurisdiction-specific insurance requirements.
Experience using Snapsheet or similar claims management platforms.
Relevant claims adjuster designations or professional certifications.
Experience working in startup or fast-paced environments, adapting to evolving priorities, wearing multiple hats, and contributing to operational process development and improvement.

Responsibilities

Manage third-party bodily injury claims from initial assignment through resolution, including investigation, evaluation, negotiation, and settlement.
Conduct liability investigations by obtaining statements, reviewing police reports, analyzing accident circumstances, and evaluating supporting evidence.
Review medical records, medical bills, treatment histories, and supporting documentation to assess injury severity, causation, and damages.
Evaluate liability, comparative negligence, and potential coverage issues to establish claim strategies.
Identify pre-existing conditions, treatment gaps, unrelated medical expenses, and other factors relevant to injury evaluations.
Establish and maintain accurate claim reserves based on documented exposures and evolving claim information.
Recognize potentially fraudulent, exaggerated, or questionable claims and refer them for additional investigation when appropriate.
Evaluate bodily injury demands and develop well-supported settlement recommendations.
Negotiate settlements with claimants, attorneys, and other involved parties within assigned authority.
Prepare settlement evaluations supported by medical documentation, liability assessments, and applicable jurisdictional considerations.
Identify opportunities for early claim resolution while protecting the company from unnecessary financial exposure.
Manage litigated claims in coordination with defense counsel, including reviewing litigation strategies, evaluating settlement opportunities, and monitoring legal expenses.
Resolve claims in accordance with applicable regulations, company guidelines, and established settlement authority.
Maintain a portfolio of active bodily injury claims, prioritizing high-severity exposures and time-sensitive matters.
Document claim activity, investigative findings, evaluations, settlement negotiations, and resolution decisions in the claims management system.
Monitor claim reserves and proactively identify changes in exposure.
Collaborate with liability, property damage, PIP, and operations teams to ensure coordinated claim handling.
Identify potential subrogation, contribution, or recovery opportunities.
Communicate professionally with claimants, attorneys, insurance carriers, medical providers, and internal stakeholders.
Ensure timely claim handling and compliance with applicable state insurance regulations and internal service standards.
Where applicable, review and evaluate PIP claims, including medical bills, treatment records, wage loss documentation, and other benefits.
For PIP claims, assess benefit eligibility, policy limits, medical necessity, and the relationship between claimed treatment and the reported accident.
For PIP claims, identify duplicate billing, unsupported treatment, excessive charges, and other potential billing discrepancies.
Coordinate with medical providers, claimants, attorneys, and other insurers to obtain documentation and resolve outstanding PIP issues.
Apply applicable state-specific PIP regulations, coverage requirements, and benefit limitations.