Third Party Adverse Auto Subrogation Adjuster

United Auto Insurance•Miami Gardens, FL

16d•Remote

About The Position

United Automobile Insurance Company (UAIC), a family-owned and established organization since 1989, is seeking a Third-Party PD Adjuster to join their team. UAIC is one of the largest privately held property and casualty insurance companies in the United States, driven by a commitment to quality service, disciplined underwriting, and strategic claims handling. The company invests significantly in personnel and technology to ensure maximum efficiency and specialized operations. This role is offered as a remote position within the Southeast region.

Requirements

Minimum of 3-5 years of experience in subrogation, claims adjusting, or a related field within the property and casualty insurance industry.
In-depth knowledge of insurance policies, subrogation principles, and legal concepts related to property and casualty claims.
Strong analytical and investigative skills, with the ability to assess liability and recovery potential.
Excellent negotiation and communication skills, both written and verbal.
Proficiency in claims management software and Microsoft Office Suite.
Ability to manage a high volume of cases with attention to detail and accuracy.
Strong organizational skills, with the ability to prioritize and manage multiple tasks effectively.
Adjusters license required.

Nice To Haves

Bachelor’s degree in business or a related field preferred.
Bilingual preferred.

Responsibilities

Review and analyze claims to establish liability and review incoming subrogation demands from adverse carriers, assessing damages to rule out excess.
Investigate incidents by reviewing accident reports, interviewing witnesses, gathering physical evidence, and obtaining police reports and repair estimates to establish liability and damages.
Gather and organize all necessary documentation (contracts, invoices, photos, legal documents) to support subrogation claims, ensuring evidence is preserved and accurately recorded.
Clearly communicate the basis for demands, outlining incurred damages and the rationale for liability.
Engage in negotiations with adverse adjusters, third-party insurers, and attorneys to reach favorable settlements, utilizing knowledge of liability law and negotiation tactics.
Monitor claims closely for litigation and communicate with the insured when settlements cannot be achieved.
Keep detailed, up-to-date, and organized records of all subrogation activities, including communications, negotiation efforts, and payments.
Track the status of each subrogation file, ensuring timely follow-up and resolution, and regularly update internal systems with progress notes and settlement outcomes.
Provide regular updates and reports to management on subrogation claim status, settlements, challenges, and potential process improvements.
Collaborate with claims adjusters, underwriters, and legal teams to gather information, develop recovery strategies, and support the subrogation process.
Maintain effective communication with external stakeholders (insurers, attorneys, claimants) in a professional and clear manner.
Ensure all subrogation activities comply with applicable laws, regulations, and company policies, staying informed of legislative changes and industry standards.
Contribute to the development and implementation of best practices for claims handling and settlements, identifying opportunities for process improvements.
Work towards meeting or exceeding individual and team settlement goals.
Regularly review subrogation performance metrics and outcomes to identify areas for improvement and participate in training opportunities.
Participate in special projects or initiatives as assigned by management, such as process improvement efforts or system upgrades.
Assist other departments as needed, providing expertise in subrogation.