Senior Liability Adjuster

HDVI • Greenville, SC

2d • Remote

About The Position

HDVI is a commercial trucking insurance company that uses real-time telematics data to inform risk models, help lower premiums, mitigate risk, engage and reward drivers, and provide protection for trucking fleets. Its customers are small to midsize truck fleet operators. HDVI combines a partner ecosystem with transparent, dynamic pricing that can reduce premiums for safer driving.

As a Senior Liability Adjuster, you will work closely with the Claims and Fleet Services Teams. You will handle commercial trucking claims, including third-party bodily injury and auto property damage, first-party auto property damage and medical claims, cargo, and truckers general liability. The role provides claim resolution and tactical guidance to internal and external customers to achieve strong claims outcomes.

This senior-level role independently manages complex commercial auto liability claims from assignment through resolution, including litigated, attorney-represented, high-severity, and large-loss claims. It also serves as a technical resource and mentor to other adjusters, and supports Claims leadership with complex file reviews, training, quality initiatives, process improvement, and emerging claim trends.

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.
• Active Adjuster's License and 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, developing claim strategies, evaluating exposure, establishing 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 with complex commercial trucking exposures, including large deductibles and Independent Owner-Operators (IOOs), and ability to use 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 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 serving as a technical resource and mentor.
• Strong internal and external customer focus and technology proficiency, including Google Workspace, Adobe Acrobat, and claims management technology.
• Legally authorized to work in the United States for any employer; HDVI does not sponsor employment visas for new hires.

Nice To Haves

• College education or an equivalent combination of education and relevant claims experience is preferred.
• Snapsheet or similar claims platform experience is preferred.

Responsibilities

• Independently investigate, evaluate, negotiate, and resolve complex commercial auto liability claims, including bodily injury, attorney-represented, litigated, high-severity, and large-loss exposures.
• 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.
• Proactively manage high-exposure and large-loss claims; identify adverse development and severity indicators, escalate claims when appropriate, and develop 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; 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 appropriate 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 Claims leadership with recommendations on exposure, reserves, litigation, settlement, and claim direction.
• Serve as a senior technical resource, mentor, and escalation point for less-experienced adjusters; assist Claims leadership with complex file reviews, training, quality initiatives, process improvement, and identifying 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 contribution.
• Inclusive parental leave policy.
• Wednesdays are standing meeting-free.
• Birthday meal reimbursement.
• Remote-friendly environment with the opportunity to participate in periodic in-person team offsites.

What This Job Offers

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