P&C Liability Bodily Injury Adjuster

Remote position based in Florida.

About the role

As a Bodily Injury Adjuster, you will adjust third-party General Liability, Auto Liability, Errors and Omissions, and Law Enforcement claims involving bodily injury, personal injury, or wrongdoing. This is a full-time, home-based role that may require occasional travel for claims meetings at client locations, continuing-education seminars, or scene investigations.

Responsibilities

• Perform all duties outlined in the Property Damage Adjuster job description.
• Daily review of workflow and claim-system reminders; complete or make significant progress on any task within 72 hours.
• Review new claim assignments within 24 hours and complete a Plan of Action.
• Contact the insured or claimant within 24 hours of assignment.
• Assign appraisers or coordinate receipt of damage estimates according to client guidelines.
• Determine if estimates or appraisals are appropriate based on reported damages and other evidence.
• Gather evidence of damages and interview or obtain recorded statements from claimants, insureds, and witnesses.
• Request payment authorization following client guidelines and Davies Claims North America policy.
• Follow client guidelines for any claim denial.
• Obtain internal investigation reports from the insured when permitted.
• Maintain professional and timely communication with the client.
• Determine degree of attorney involvement and act with utmost good faith from claim opening to closure.
• Set reminders in the claim system for necessary follow-up.
• Accurately record all communications and activities in claim-system notes.
• Image documents relevant to the claim file, including email.
• Meet continuing-education requirements for adjuster licensure.
• Maintain a 95% claim-closure ratio.
• Report to excess carriers on qualifying claims, including status updates.
• Immediately notify supervisor and client of any Summons and Complaint; identify defense counsel and cooperate with them.
• Obtain status reports from defense counsel at 90-day intervals.
• Read and understand the excess-carrier insurance policy.
• Run ISO ClaimSearch on injured claimants.
• Determine injury status of all persons involved in a crash investigation.
• Interact with adjusters from other companies to obtain needed information.
• Respond to Reservation of Rights letters from excess carriers if necessary.
• Develop working knowledge of No-Fault/PIP law.
• Enter information into the claim system to ensure mandatory Medicare reporting.
• Follow Davies Claims North America guidelines when settling claims involving Medicare recipients.
• Check for claimant compliance with F.S. 768.28 Sovereign Immunity.
• Recommend or assign field adjusters as necessary and review their reports for thoroughness and accuracy.

Requirements

• College degree or equivalent experience.
• Possession of an Adjuster license and maintenance of required CEU credits.
• Excellent knowledge of Tort Law, bad-faith procedures, case law, principles of liability, and medical terminology.
• Previous experience settling bodily-injury claims.
• Proficiency with Microsoft Office Suite.

Skills

• Proactive, independent, dependable, and takes initiative with consistent follow-through.
• Superb written and verbal communication skills with diverse audiences.
• Superior time-management skills and ability to meet deadlines.
• Exceptional multi-tasking, prioritization, organization, and documentation skills in a fast-paced environment.
• High attention to detail with strong decision-making and problem-solving abilities.
• Capable of working collaboratively and independently with minimal supervision.
• Exhibits discretion with sensitive and confidential information.

Pay

$65,000 – $75,000 per year.

Benefits

• Medical, dental, and vision plans.
• 401(k) plan with employer matching.
• Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees.
• Paid holidays.
• Life insurance and short-term/long-term disability coverage.