PIP Adjuster

Kemper•Birmingham, AL

About The Position

Kemper is seeking PIP Adjusters to investigate, value, establish exposure for, negotiate, and settle assigned No-fault and Med Pay claims within stipulated monetary authority. The role ensures assigned claims are concluded promptly, equitably, and economically in accordance with the policy contract and the damages presented. The adjuster identifies parties eligible for coverage and reviews medical bills, lost-wage claims, and other expense submissions. The role includes assessing damages and establishing accurate loss, expense, and subrogation reserves when applicable; researching and interpreting injury-related statutes and case law; examining points of impact and damage in relation to claimed injuries; and reviewing prior injury information. The adjuster develops rapport with claimants or their representatives, gathers releases and supporting medical, wage, and expense information, and conducts detailed investigation and research. The position also uses independent medical examination (IME) and peer-review processes when appropriate, applies relevant offsets, documents treatment and expense histories, and develops settlement strategies. Claims must be processed in compliance with standard operating procedures, regulatory and statutory requirements, and applicable best practices.

Requirements

High school degree.
At least one year of full-time work experience after graduation.
Good computer skills.
Good planning and organizing skills.
Excellent written and verbal communication skills.
Ability to deal with conflict.
Some positions may require specific bilingual skills.

Nice To Haves

Four-year college degree preferred.

Responsibilities

Identify parties involved in claims who are eligible for coverage.
Analyze submitted medical bills, lost-wage claims, and other expense claims through a consistent and thorough review process.
Establish accurate loss reserves and, when applicable, expense and subrogation reserves based on assessed damages.
Research and interpret injury-related statutory provisions and case law.
Examine points of impact and the extent of damage in relation to claimed injuries, and access prior injury information.
Develop and maintain rapport with claimants or their representatives.
Obtain proper release documentation and detailed medical reports, medical bills, wage information, and other expense information.
Conduct detailed research into damages submitted for payment.
Use IME and peer-review processes and apply appropriate offsets when applicable.
Document injury-related treatment, lost-wage, and other expense histories thoroughly.
Develop a comprehensive settlement strategy and use appropriate claim investigation forms and form letters.
Process claims in compliance with standard operating procedures, regulatory and statutory requirements, and best practices.
Investigate, value, establish exposure for, negotiate, and settle assigned No-fault and Med Pay claims within stipulated monetary authority.
Conclude assigned claims promptly, equitably, and economically in accordance with policy provisions and damages presented.