Liability Bodily Injury Claims Adjuster

Whip•Rockville, MD

15h•Remote

About The Position

Whip is seeking an experienced Liability Bodily Injury Claims Adjuster to support its auto insurance claims operations. This remote role manages third-party bodily injury claims arising from automobile accidents involving the company’s rental fleet, from initial investigation through resolution. The adjuster investigates and evaluates liability and damages, reviews medical records and supporting evidence, establishes reserves, negotiates settlements, and manages litigated claims in coordination with defense counsel. The role also involves maintaining an active claims portfolio, documenting claim activity, identifying recovery opportunities, and coordinating with internal teams and external stakeholders. Personal Injury Protection (PIP) claims experience is highly preferred.

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 ability to independently investigate, evaluate, negotiate, and resolve 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 in 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 in startup or fast-paced environments and the ability to adapt to evolving priorities and contribute to operational process improvements.

Responsibilities

Manage third-party bodily injury claims from assignment through investigation, evaluation, negotiation, and settlement.
Conduct liability investigations by obtaining statements, reviewing police reports, analyzing accident circumstances, and evaluating evidence.
Review medical records, bills, treatment histories, and supporting documentation to assess injury severity, causation, and damages.
Evaluate liability, comparative negligence, coverage issues, pre-existing conditions, treatment gaps, and potentially unrelated medical expenses.
Establish and maintain accurate claim reserves based on documented exposures and evolving claim information.
Identify potentially fraudulent, exaggerated, or questionable claims and refer them for additional investigation when appropriate.
Evaluate bodily injury demands, prepare supported settlement recommendations, and negotiate settlements within assigned authority.
Manage litigated claims with defense counsel, including reviewing litigation strategies, settlement opportunities, and legal expenses.
Resolve claims in accordance with applicable regulations, company guidelines, and settlement authority.
Review and evaluate PIP claims, including medical bills, treatment records, wage-loss documentation, benefit eligibility, policy limits, medical necessity, and applicable regulations.
Identify potential duplicate billing, unsupported treatment, excessive charges, and other billing discrepancies.
Coordinate with providers, claimants, attorneys, and insurers to obtain documentation and resolve outstanding issues.
Maintain and prioritize an active bodily injury claims portfolio, including high-severity exposures and time-sensitive matters.
Document claim activity, findings, evaluations, negotiations, and decisions in the claims management system.
Monitor reserves and proactively identify changes in exposure.
Collaborate with liability, property damage, PIP, and operations teams to coordinate claim handling.
Identify potential subrogation, contribution, and recovery opportunities.
Communicate with claimants, attorneys, insurance carriers, medical providers, and internal stakeholders.
Ensure timely claim handling and compliance with state insurance regulations and internal service standards.