Senior Liability Adjuster

HDVI • Anderson, SC

1d • Remote

About The Position

HDVI is a commercial auto insurance company serving small and midsize trucking fleets. Its insurance offerings use real-time telematics data to inform risk models, support safer driving, mitigate risk, and provide transparent pricing. The company combines trucking-insurance expertise and a partner ecosystem to serve commercial fleets.

The Senior Liability Adjuster works closely with HDVI’s Claims and Fleet Services Teams and handles commercial trucking claims, including third-party bodily injury and auto property damage, first-party auto property damage, cargo, truckers general liability, and first-party medical claims. The role provides claim resolution and tactical guidance to internal and external customers, with the goal of achieving strong claims outcomes.

This senior-level role independently manages complex commercial auto liability claims from assignment through final resolution. It includes investigating and evaluating coverage, liability, damages, causation, and exposure; setting and adjusting reserves; negotiating settlements; managing litigation and defense counsel; identifying recovery opportunities; and coordinating specialized claim resources. The adjuster also serves as a technical resource and mentor, supports claim reviews and quality initiatives, and maintains documentation, regulatory compliance, customer service, and effective management of a complex claim inventory.

Requirements

• At least 5 years of commercial auto liability claims experience, including significant independent handling of bodily injury, attorney-represented, litigated, complex, large-loss, and high-severity claims from investigation through resolution.
• An active Adjuster’s License and the ability to obtain and maintain all required state licenses.
• Advanced knowledge of commercial auto claims, including coverage analysis, liability investigation, negligence principles, damages evaluation, reserving, settlement negotiation, litigation management, commercial trucking operations, motor carrier exposures, and applicable state and federal regulations.
• Experience managing large-loss and high-exposure claims, including developing claim strategies, evaluating exposure, setting and adjusting reserves, preparing settlement recommendations, participating in mediations and settlement conferences, and managing claims through litigation.
• Strong bodily injury evaluation skills, including analysis of medical records, treatment, causation, permanency, future medical exposure, wage loss, and other damages.
• Strong litigation, negotiation, and vendor-management experience, including direct negotiation with plaintiff attorneys and management of defense counsel, experts, investigators, accident reconstruction professionals, and other specialized resources.
• Experience handling complex commercial trucking exposures, including large deductibles and Independent Owner-Operators (IOOs), and using telematics, dash-camera footage, GPS/ELD information, crash data, and other evidence in claim assessments.
• Strong reserving, analytical, critical-thinking, problem-solving, and independent decision-making skills, including the ability to recognize adverse development and adjust reserves as exposure evolves.
• Senior-level communication, organization, and leadership capabilities, including managing multiple complex claims and deadlines, communicating evaluations and recommendations, and mentoring less-experienced claims professionals.
• Strong internal and external customer focus and technology proficiency, including Google Workspace, Adobe Acrobat, and claims management technology.
• All candidates must be legally authorized to work in the United States for any employer; HDVI does not sponsor employment visas.

Nice To Haves

• College education or an equivalent combination of education and relevant claims experience.
• Experience with Snapsheet or a similar claims platform.

Responsibilities

• Independently investigate, evaluate, negotiate, and resolve complex commercial auto liability claims, including bodily injury, attorney-represented, litigated, high-severity, and large-loss claims from assignment through final resolution.
• Conduct coverage, liability, causation, damages, and exposure investigations using available evidence, including police reports, witness statements, medical documentation, accident reconstruction, telematics, dash-camera footage, and GPS/ELD data.
• Manage high-exposure and large-loss claims proactively by identifying adverse development and severity indicators, escalating as required, and developing action plans for investigation, litigation, reserves, settlement, and resolution.
• Evaluate bodily injury damages and establish, evaluate, and adjust loss and expense reserves based on expected ultimate exposure and evolving claim circumstances.
• Negotiate complex settlements with claimants, plaintiff attorneys, insurers, and other parties within established authority, and pursue subrogation, contribution, indemnification, and other recovery opportunities.
• Manage litigated claims and defense counsel strategy, including legal budgets, discovery, depositions, expert selection, mediation, settlement conferences, and trial preparation.
• Coordinate the use of Rapid Response, SIU, accident reconstruction, independent medical evaluations, investigators, experts, and other specialized resources.
• Participate in large-loss reviews, severity roundtables, reserve reviews, mediations, and claim strategy discussions, providing leadership with recommendations on exposure, reserves, litigation, settlement, and claim direction.
• Mentor less-experienced adjusters and serve as a technical resource and escalation point on investigations, liability analysis, reserving, negotiations, litigation strategy, and claims best practices.
• Assist Claims leadership with complex file reviews, training, quality initiatives, process improvement, and identification of emerging claim trends.
• Maintain proactive communication, comprehensive documentation, and regulatory compliance with insureds, claimants, attorneys, brokers, defense counsel, vendors, and internal business partners.
• Manage a complex claim inventory with independent judgment and accountability, meeting expectations for quality, productivity, customer service, cycle time, reserve accuracy, financial stewardship, and claim outcomes.

Benefits

• Competitive salary and bonus program.
• Unlimited PTO and 11 paid holidays each year.
• Medical, dental, vision, short- and long-term disability, basic life, and AD&D coverage.
• FSA/HSA programs.
• 401(k) retirement plan with company match.
• Inclusive parental leave policy.
• Meeting-free Wednesdays for focused work.
• Birthday meal reimbursement.
• Remote-friendly work environment with opportunities to participate in periodic in-person team offsites.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed