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NJM Insurance Group

Mutual property and casualty insurer

Personal Injury Protection Claims Representative

Claims AdjudicationPosted on Nov 3
Full-timeParsippany-Troy Hills, NJ, USA$51.1k - $107.2k

About the Job

Requirements

  • Strong verbal and written communication skills and knowledge of the Microsoft suite.
  • Strong interpersonal and customer service skills.
  • Organizational, time-management, data-entry, decision-making, and multitasking skills.
  • Three to five years of claims-handling experience; the role may be filled at Level I, II, or Senior, with level-specific direct-experience ranges of 0–3, 3–6, and 6–8 years, respectively.
  • Ability to apply state regulatory requirements appropriately.
  • Thorough understanding of processes and regulatory requirements associated with arbitration and subrogation.

Responsibilities

  • Review Personal Injury Protection coverages, identify coverage issues, and investigate and analyze the loss event, injury, and relevant information to determine coverage and course of action.
  • Evaluate claims for fraud indicators and potential underwriting issues, process appropriate referrals, and comply with state and company regulations and guidelines.
  • Make final coverage determinations within regulatory guidelines; communicate relevant determinations and information to involved parties in writing or verbally during the claim.
  • Maintain communication with involved parties throughout the claim and accurately document all actions taken.
  • Manage requests for medical treatment, durable medical equipment, PIP Care Paths, medical guidelines and policies, peer reviews, and independent medical examinations; communicate determinations to appropriate parties within three business days.
  • Request necessary independent medical examinations and determine whether to approve additional treatment or terminate benefits.
  • Establish adequate medical and non-medical benefit reserves for each claim and adjust reserves as needed.
  • Calculate and issue non-medical benefits, including wages, essential services, and death benefits.

Desired Qualifications

  • A bachelor's degree.

About the Company

NJM Insurance Group

Mutual property and casualty insurer

NJM Insurance Group provides property and casualty insurance mainly in the Mid-Atlantic, focusing on auto and home coverages and other P&C protection. It operates as a mutual insurer owned by its policyholders, using premium dollars to fund coverage, claims, and service rather than paying dividends to outside owners. Customers get protection through policies (notebook of auto and home insurance) and a claims process backed by financial stewardship and strong service. NJM differentiates itself by its mutual ownership model and a commitment to value-based solutions and service, plus regional recognition for auto claims experience and employer awards (e.g., leading Mid-Atlantic auto insurer in J.D. Power 2025 AIS; Forbes Best In-state Employer 2019–2025). Its stated goal is to provide value-based insurance solutions with the highest levels of service, integrity, and financial stewardship for policyholders in the Mid-Atlantic.

Company size
1,001-5,000
Company stage
Debt Financing
Total funding
$250M
Headquarters
Ewing Township, NJ
Founded
1913

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