PIP Coverage and Qualification Adjuster
About the job
- Auto Personal Injury Protection claims experience is required.
- An active adjuster's license is required, preferably in Florida or Texas.
- An associate or bachelor's degree is preferred, or a minimum of 3 years of related work experience, preferably with Personal Injury Protection claims.
- Knowledge of insurance principles, policies, and procedures is required.
- Strong analytical, negotiation, and communication skills are required.
- The ability to work independently and efficiently manage a caseload is required.
- Proficiency in Guidewire, Microsoft Word, Microsoft Excel, Windows-based applications, and internet usage is required.
- Familiarity with forms, procedures, regulations, coverages, and claims processes is required.
- The candidate must be able to exercise good judgment and state opinions assertively.
- The candidate must be able to write and speak clearly and concisely.
- The candidate must be able to perform work effectively in a highly intense environment and handle multiple tasks and demands simultaneously.
- The candidate must be able to identify, gather, and organize information analytically.
- The candidate must be able to work independently in a team environment.
- Review and assess Personal Injury Protection claims to determine coverage eligibility.
- Analyze medical records, police reports, and other relevant documents to evaluate injuries and establish proof of loss.
- Interpret insurance policies, contracts, and state regulations to determine applicable coverage.
- Communicate with claimants, medical professionals, attorneys, and other involved parties to gather information and documentation.
- Explain coverage decisions clearly and concisely to claimants.
- Conduct claimant interviews to gather information supporting an objective final disposition, including interviews under oath or by phone.
- Maintain accurate and organized claim files containing correspondence, medical records, and assessment reports.
- Issue payments for approved claims in accordance with company policies.
- Ensure compliance with state laws, regulations, and company policies during claim handling activities.
- Generate and submit reports on claims activity, trends, and performance metrics.
- Identify and investigate potentially fraudulent activity related to Personal Injury Protection claims.
- Collaborate with the Special Investigation Unit when fraud is suspected.
- Address claimant inquiries and concerns and provide timely updates.
- Prepare reports and documentation for internal purposes, regulatory compliance, and potential legal proceedings.
- Bilingual English and Spanish language ability is preferred.
- An associate or bachelor's degree is preferred.
- Related work experience, preferably with Personal Injury Protection claims, is preferred.
About the company
United Auto Insurance provides low-cost auto coverage tailored for drivers who don’t qualify for standard insurance. It focuses on non-standard auto insurance and sells through a network of independent agents. Its products are priced to meet the needs of higher-risk drivers and are distributed via agent portals that streamline quoting and selling for agents. The company differentiates itself through its long-time focus on the non-standard market, its private ownership, and its use of technology to empower agents, plus a strategic expansion from Florida to Illinois and later toward Texas. Its goal is to grow its market presence in non-standard auto insurance, strengthen its financial position, and expand into more states by supporting its core markets with additional capital and scalable distribution.
Company Size
201-500
Company Stage
Seed
Total Funding
$45M
Headquarters
Miami Gardens, Florida
Founded
1989
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Simplify's Take
What believers are saying
- Guidewire Cloud should reduce claims friction and speed policyholder service.
- Insurify reports activity in Florida, Georgia, and Texas, preserving core distribution reach.
- Non-standard auto demand stays durable in UAIC's core markets despite carrier retrenchment.
What critics are saying
- AM Best remains unrated since 2016, obscuring claims-paying strength during stress.
- Florida PIP litigation keeps draining time; 2026 cases still cite UAIC fee fights.
- Any reserve miss or claim surge can trigger regulator intervention and rating pressure.
What makes United Auto Insurance unique
- UAIC sells non-standard auto through independent agents, keeping acquisition costs low.
- March 2024 Guidewire Cloud migration modernized claims across all operating states.
- Florida roots and Texas expansion focus on high-risk drivers other carriers avoid.
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Benefits
- Health Insurance
- Vision Insurance
- Dental Insurance
- 401(k) Company Match
- Paid Vacation
- Paid Holidays
- Flexible Spending Accounts
- Life Insurance
- Disability Insurance
- Remote Work Options