Bodily injury adjuster job description

• Professional Growth Opportunities
• 100% Remote Working Positions
• Comprehensive Benefits (with Medical, Dental & Vision Insurance Effective on Start Date – no waiting period)
• Work/Life Balance

Candidate will be handling commercial trucking bodily injury claims in multiple jurisdictions. Must be able to handle a case load of approximately 150 claims that encompass all levels of complexity, including high exposure claims. Requires coverage analysis, establishing facts of loss, investigation, identifying potential fraud, liability/negligence determination, evaluation of medical care, damage assessment, settlement negotiations, litigation management and appropriate use of authorized vendors. Also includes timely and appropriate reserve analysis and formal large loss reporting. All file handling must be within state statutes, Client Claims Handling Guidelines and NARS Best Practices.

Technical Sills:

· Ability to evaluate complex coverage scenarios and write proper ROR and coverage disclaimer letters.

· Advance level of interpersonal skills to handle sensitive and confidential information

· Advance level of interpersonal skills to handle negotiations and litigation management for significant work with attorneys on third party claims.

· Requires advanced ability to work independently.

· Requires an advanced level of organization and time management skills.

· Must possess advanced level written and verbal communication skills for significant reporting requirements.

Experience / Education / Licensing:

· High School Diploma, college degree preferred.

· Must have 7+ years of overall claims experience, commercial auto, or trucking experience a plus.

· Must have 5+ years of bodily injury liability claims experience, commercial auto, or trucking experience a plus.

· Must have 3+ years of litigation experience

· Requires some travel to attend mediations and trials.

· Candidate must have a valid license for their state of domicile if that state requires a license. Valid licenses in additional jurisdictions preferred. Candidate will be required to obtain licensing in all states requiring licensing after hire. Candidates will be handling claims in multiple states.

Company DescriptionNorth American Risk Services (NARS) is a premier third-party claims administrator that is dedicated to producing the best possible results for our clients. "Founded in 1996, NARS handles claims for insurers, brokerages, managing general agencies, reinsurers, liquidation bureaus, self-insured funds and entities."

For more career opportunities and to learn more about NARS, please visit www.narisk.com.

It's fun to work in a company where people truly BELIEVE in what they're doing!
We're committed to bringing passion and customer focus to the business.

Summary & Key Responsibilities

Handles mid-range to high complexity claims as defined by the CARE department processes and procedures. Handling will consist of a direct investigation of the facts of loss, evaluation of coverages, damages, liability, and negotiation of claims to a proper conclusion. Will be involved in the handling of litigated files.
Key Responsibilities:
Determines policy status and coverage; reviews appropriate policies and endorsements for coverage, limits, and deductibles; immediately notify manager of any claim that may be outside of assigned scope of handling, level, or authority.Makes prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss to set expectations, develop an action plan, and perform an initial exposure assessment.Conducts an investigation to determine coverage, liability, and damages, including recorded statements and coordination of field inspections or experts when necessary based on Department Best Practices.Ensures regular and timely follow-up and brings claims to prompt and appropriate conclusion while keeping the customer informed throughout the life cycle of the claim process.Maintains electronic records that accurately and thoroughly document all file handling activity. Overnight travel may be required.May be called upon to perform additional duties as directed.Reasonable and predictable attendance is required.

Key Responsibilities PIP:
3+ years of PIP claims handling experience preferred.Michigan experience preferred but not required.Handles moderately complex to high complex PIP claims involving coverage, liability, and damages as defined by Department Best Practices and jurisdictional requirements.Will be involved with litigated files for experience and development. May involve presentation of higher exposure claims to the Large Loss Committee.

Minimum Experience/Education:
Previous experience within the insurance or financial services industries and experience with litigation is preferred.High school diploma or equivalent required. Post-secondary education preferred.Current adjuster licensure or the ability to obtain within 90 days of hire.Basic computer skills and Microsoft and Google applications preferred.

Communication and Collaboration Skills:
Professional oral and written communication skills are critical to the success of this position. All claims service must be handled with tact, diplomacy and courtesy at all times.

Must be able to collaborate and develop strong team relationships with associates from within and outside the Claims Department.

Customer centric with exceptional customer service skills.

Technical Knowledge:
Must have comprehensive knowledge and understanding of insurance policies and endorsements, as well as the ability to understand complex documents, contracts, and other legal documents.

Problem Solving:
Gather facts and draw conclusions, interpret complex requirements/issues and work independently. The individual must be able to identify and implement key opportunities while researching potential solutions.

About us:

State Auto offers a competitive salary, an annual bonus program, an excellent benefits program including medical, dental, vision and prescription insurance coverage, life insurance, matching 401(k) plan, flexible spending accounts, and tuition assistance.
State Auto is committed to the principle of equal employment opportunity for all associates and applicants and to providing associates with a work environment that is free from discrimination and harassment. All employment decisions (hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, training and work assignments) are based on business needs, job requirements and individual qualifications without regard to race, color, religion, gender, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, citizenship status, military status, or status as a covered veteran in accordance with applicable federal, state and local laws. State Auto will not tolerate discrimination or harassment based on any of these characteristics.

State Auto is a smoke-free work environment. We utilize background checks as conditions of employment. For all exempt positions we also obtain motor vehicle reports (MVR s).

State Auto will not accept candidates from third-party recruiters without a signed agreement with State Auto.

#LI-SA

Full Time / Part Time

Full time

Worker Sub-Type

Regular

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Adjusts soft tissue, moderately complex and complex 1st party PIP/MP medical claims.

Identifies, confirms, and makes coverage decisions on soft tissue claims.

Investigates loss details, determines legal liability, evaluates, negotiates, and arrives at claim settlement within appropriate authority guidelines.

Clearly documents thought process, investigation, evaluation, negotiation, and settlement decisions.

Provides advice and sets expectations into next steps to members.

Collaborates and supports team members to resolve issues and identify appropriate matters for escalation.

Partners and/or directs vendors and internal business partners to facilitate timely claims resolution.

Supports workload surges and/or Catastrophe Operations as needed.

Minimum Experience:

• High School Diploma or General Equivalency Diploma

• 1 year of auto liability adjusting experience

• Working knowledge and understanding of the auto claims contract as well as application of case and state laws and regulations

• Acquisition and maintenance of insurance adjuster license within 90 days and designated number of attempts

Preferred Experience:

• Military Experience or Affiliation

• Ongoing Professional Development with a focus on Insurance

• 2+ years Auto Liability/Casualty adjusting experience to include complex/multi vehicle liability

• Bachelors’ Degree or higher.

• 1yr Medical experience to include coding and billing or EMT

Work from home member contact employees must have access to minimum broadband internet connection standards as defined by CTDO. Current requirements are as follows:

• This is not a mobile position and will require a desktop computer set up (provided) and hard-wired via an ethernet cord directly into your router (no Wi-Fi).

• Bandwidth must have minimum capability of consistent speeds of 25 Mbps download and 5 Mbps upload.

• Wireless and Satellite coverage is currently not approved.

• Must be able to provide workspace at home that is safe, suitable for work, and provide a distraction free environment from background noises that may distract a member or internal USAA customer.

• In some roles you will be expected to use a webcam for training, please be prepared every day to turn on your webcam USAA provides.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is: $46,000 - $82,900. Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

Shift premium will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

Please click on the link below for more details.

USAA Total Rewards

Relocation assistance is not available for this position.