Bodily Injury Adjuster - UM/UIM Litigation Moderate/Severe/Complex – Remote

About the role

This job is responsible for investigating moderate, severe, and complex litigation claims which typically will include uninsured or underinsured motorist (UM/UIM) claims in single or multi-car accidents. The individual also may handle specialized claims (e.g., loss of income, E&O policies, etc.). The individual refers claims over to defense attorneys, then evaluates, negotiates UIM/UM bodily injury claims, and makes payments to appropriate parties. This position is for our Casualty 200 office with a focus on handling Litigation UM/UIM claims, with a preference given to those that have experience working claims in the states of GA and AL.

Responsibilities

• Investigate moderate, severe, and complex litigation claims, particularly uninsured or underinsured motorist (UM/UIM) claims in single or multi-car accidents.
• Handle specialized claims such as loss of income, E&O policies, etc.
• Refer claims over to defense attorneys.
• Evaluate, negotiate UIM/UM bodily injury claims.
• Collaborate with defense attorneys to make payments to appropriate parties.
• Manage and resolve moderate, severe, and complex customer communications, concerns, conflicts, or issues.
• Lead direct negotiations with policyholder attorneys to resolve disputes efficiently.
• Research, respond to, or participate in Department of Insurance complaints or investigations.
• Coordinate the appraisal process for complex, disputed property claims, ensuring adherence to policy provisions.
• Review medical reports in preparation for claims settlement evaluation.
• Determine and explain minimum coverage limits in moderate, severe, and complex claims involving single or multiple claimants, also determining claim value.
• Draft and respond to attorney correspondence, requests for information, and demands to maintain compliance and mitigate legal exposure.
• Use phone, emails, and sometimes video chat with customers to help them through a fast, fair, and easy claims process.
• Evaluate and negotiate claims settlements with customers, vendors, third-party carriers, and claimants, in accordance with all legal and business standard methodologies.
• Utilize multiple tools to get the job done in a fast-paced environment, including estimate tools, job aids, and additional settlement platforms, all while using sharp critical thinking skills.
• Protect the company financially by executing policies along policy agreements, and ensure timely and accurate documentation is completed as you work on each claim.

Qualifications

• 3 or more years of experience.
• 1+ years of Allstate experience preferred.
• Sets initial reserve, updates reserve, documents rationale and claim summary notes.
• Negotiates and settles claims in accordance with business unit’s best practices.
• Documents a claim file with notes, evaluations, and decision-making process.
• Determines and explains minimum coverage limits in moderate, severe, and complex claims involving single or multiple claimants, also determines claim value.
• Drafts and responds to attorney correspondence, requests for information, and demands to maintain compliance and mitigate legal exposure.
• Researches, responds to, or participates in Department of Insurance complaints or investigations.
• Coordinates the appraisal process for complex, disputed property claims, ensuring adherence to policy provisions.
• Reviews medical reports in preparation for claims settlement evaluation.
• Acts as the primary point of contact for policyholder attorneys, leading direct negotiations to resolve disputes efficiently.

Skills

• Business Communications
• Critical Thinking
• Fraud Investigations
• Information Collection
• Time Management

Benefits

Not specified.

Pay

$63,500 - $111,550 per year, based on experience and qualifications.

Schedule

Mon-Fri | 8:00am-4:30pm or 9:00am-5:30pm EST

Notes

The candidate(s) offered this position will be required to submit to a background investigation.

Remote Home-Based Work

This position is a remote home-based role.

Notice of Licensing Requirement

As a condition of employment, your office/area may require you to obtain an adjuster and/or an appraiser license. If applicable, you will be required to secure license(s) within 60 days of hire. If required, the Hiring Manager will work with you along with the Centralized Licensing team to ensure that you are properly licensed.