United Auto Insurance

Non-standard auto insurance for high-risk drivers

Adjuster Complex Bodily Injury

Claims AdjudicationConfirmed live in the last 24 hours

Full-timeMiami, FL, USANo salary listed

About the Job

Requirements

An associate or bachelor's degree is preferred, and/or 3–5 years of related work experience, preferably with bodily injury claims.
An active adjuster's license is required.
Bilingual English and Spanish proficiency is required.
Proficiency in Word, Excel, Windows-based applications, and internet usage is required.
Familiarity with forms, procedures, regulations, coverages, and business processes is required.
Ability to exercise good judgment and state opinions assertively is required.
Ability to write and speak clearly and concisely is required.
Ability to work effectively in a highly intense environment and handle multiple tasks, prioritization, desk management, and demands simultaneously is required.
Analytical skills to identify, gather, and organize information are required.
Ability to work independently in a team environment is required.

Responsibilities

Investigate, evaluate, negotiate, dispose of, and settle auto liability claims to determine legal liability, damages, and coverage.
Conduct thorough investigations to gather sufficient information for informed coverage and liability decisions involving severe or catastrophic injuries or damages, higher coverage limits, complex issues, and high-exposure events with minimal supervision.
Request medical records and bills for independent review.
Contact claimants’ personal injury protection carriers to verify coverage and benefits paid; take statements on coverage issues and notify underwriting of problems.
Confirm whether tortfeasors have insufficient or no coverage.
Evaluate claimed injuries and identify strengths and weaknesses in the claimant’s and insured’s positions.
Review property-damage and collision photographs.
Track required correspondence and review files.
Send excess letters to insureds for serious injuries and multiple competing claims.
Negotiate settlements with attorneys or unrepresented claimants and identify and note lienholders against settlements.
Keep insureds informed of claim and settlement developments and reserve the company’s rights when appropriate.
After settlement, prepare and send release and hold-harmless documents.
Evaluate claims for potential fraud and work with the Special Investigations Unit as required.
Assess actual damages associated with claims and conduct settlement negotiations.
Determine whether subrogation exists and take necessary steps to initiate recovery efforts.
Determine whether to preserve evidence or use independent adjusters, cause-and-origin experts, independent medical examiners, economists, accident reconstructionists, and engineers.
Respond to settlement demands in a timely and appropriate manner.
Keep internal and external customers informed of file status and other matters as required.
Handle first reports of bodily injury claims proficiently.
Recognize other relevant claims exposures accurately.
Identify and present files that need further management review.

Desired Qualifications

Non-standard auto industry experience is a plus.
Guidewire knowledge is preferred.

COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for [a] Bodily Injury Adjuster(s) to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

SCOPE:

As a Complex Bodily Injury Adjuster, you will be responsible for the investigation, evaluation, negotiation, disposition, and settlement of auto liability claims, in Florida, Texas, Indiana and Georgia to determine legal liability, damages, and coverage. This position requires thorough and complete investigations to gather sufficient information to make informed and knowledgeable coverage and liability decisions. Assigned claims will involve severe and/or catastrophic injuries and/or damages including higher limits of coverage, requiring direct involvement in handling complex issues and high-exposure events, with minimal supervision. Exceptional evaluation and judgment skills are required to develop all potential exposures in the file and to properly set indemnity reserves. The protection of our Insured and the Company’s financial exposures are critical.

This position offers a remote work arrangement, allowing the ideal candidate to work from their preferred location within the Southeast region.

DUTIES:

Request medical records/bills for independent review.
Contact the claimant’s PIP carrier to verify coverage and benefits paid. Take statements on coverage issues; notifies Underwriting of any problems. Confirms either insufficient coverage or no coverage on tortfeasor.
Evaluates claimed injuries; identifies strong and weak points of both claimant’s and insured’s position.
Review PD/collision photographs.
Keeps track of required correspondence and reviews files.
Sends excess letters to insured (s) on serious injury and multiple competing claims.
Negotiates settlements with either attorney or unrepresented claimant; identifies and notes any lien holders against settlement.
Keeps insureds advised of developments in claims and settlements. Reserving the Company’s rights, when appropriate.
Upon settlement, prepares and sends release and hold harmless documents.
Evaluate claims for potential fraud and work with Special Investigations Unit as required.
Assess actual damages associated with claims and conduct negotiations to settle claims.
Determine if subrogation exists and take steps necessary to initiate recovery efforts.
Determine the need for preservation of evidence, independent adjusters, cause and origin experts, independent medical examiners, economists, accident “reconstructionist”, and engineers.
Respond timely and appropriately to all settlement demands.
Keep internal and external customers advised of file status and other matters as required.
Proficiently handle first reports of Bodily Injury claims.
Accurate recognition of other relevant claims exposures.
Identify and present files that need further review with management.

EDUCATION:

Associate or bachelor’s degree preferred and/or 3-5 years of related work experience, preferably with BI claims.
Active Adjuster’s license
Bilingual (English & Spanish)

SKILLS & EXPERIENCE:

Non-standard auto industry experience is a plus.
Proficient in Word, Excel, Windows-based applications, and internet usage.
Guidewire knowledge preferred.
Must be familiar with forms, procedures, regulations, coverages, and business processes.
Must be able to exercise good judgment and state opinions assertively.
Must be able to write and speak clearly and concisely.
Must be able to perform work effectively in a highly intense environment and handle multiple tasks, prioritization, desk management and demands simultaneously.
Must illustrate analytical skills to identify, gather, and organize information.
Must be able to work independently in a team environment.

BENEFITS:

401(k) Retirement Savings Plan with employer match.
Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
Paid Time Off, Holidays, and Leave programs.
Flexible spending accounts
Basic Life Insurance and Voluntary Life/ADD
Short Term and Long-Term Disability

UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.

About the Company

United Auto Insurance

Non-standard auto insurance for high-risk drivers

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, FL
Founded: 1989

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