Bodily Injury Claims Adjuster

The Claims Bodily Injury and Liability Adjuster is responsible for handling a variety of minor to moderately complex Auto Injury claims, General Liability claims, and General Liability property damage claims across multiple lines of business, including Personal, Farm, and Commercial lines. This role involves investigating, assessing, and resolving claims promptly and accurately.

Primary Responsibilities

• Meet or exceed company guidelines on customer service expectations, including regular communication.
• Interpret and apply policy language accurately to resolve claims.
• Handle minor and moderately complex Auto Injury, General Liability, and General Liability property damage claims.
• Investigate and determine liability on Auto and General Liability claims.
• Evaluate and negotiate minor to moderately severe injury claims, including some attorney-represented cases.
• Establish timely and accurate reserves on claims.
• Draft and send written communications, including Reservation of Rights and denial letters.
• Handle and resolve minor to moderately complex litigation claims.
• Use common industry tools and software effectively.
• Build and maintain strong agency relationships.
• Investigate claims for potential fraud thoroughly.
• Pursue subrogation recovery as needed.
• Maintain detailed file notes, photographs, and required records.
• Oversee salvage recovery.
• Assign and monitor Independent Adjuster inspections as needed.
• Perform other duties as assigned.

Minimum Qualifications

• Bachelor’s degree or equivalent insurance-related experience.
• Strong customer service orientation.
• 5+ years of Auto or General Liability claims handling experience, including injury negotiations.
• Strong problem-solving and decision-making skills.
• Proficiency in Microsoft Office.
• High level of organizational, reasoning, and listening skills.
• Ability to manage time effectively and work independently.
• Detail-oriented with strong multi-tasking abilities.
• Team-oriented, with positive and collaborative working relationships.
• Strong written and verbal communication skills.
• Willingness to travel, work after hours, and adjust schedule as needed.