Bodily Injury LIability Claims Adjuster

Responsible for the investigation, evaluation, and settlement of bodily injury liability claims. Must verify coverage, determine liability, maintain timely correspondence and determine the best course of action with medium levels of autonomy, while working closely with clients, claimants, and attorneys as an experienced claims professional.

ESSENTIAL JOB FUNCTIONS:
• Investigate new claims and initiate timely contacts with clients, claimants and legal counsel to determine appropriate actions to be taken.
• Read and comprehend insurance policies. Properly evaluate liability, address time limit demands appropriately.
• Communicate with injured individuals, their attorneys, healthcare providers, and other involved parties.
• Negotiate settlements with claimants and attorneys and draw up contracts.
• Report to clients and excess carrier requests regarding claim status and follow through on recommended actions.
• Maintain detailed records of claims, including investigation findings, communication logs, and settlement details.
• Prepare for and attending hearings or trials when necessary.
• Remain in direct compliance with company policies and procedures, including MMSEA reporting.
• Maintain active adjuster license in states where this is required.
• Ability to utilize windows-based claims systems and Microsoft type applications.

MARGINAL JOB FUNCTIONS:
• Meet with clients and account management to conduct claim reviews. This involves account location visits to present cost reports, reserves, active claims and settlement recommendations.
• Performs other duties as assigned by your Supervisor.

This statement sets forth the basic tasks and duties of the job but is not intended to provide a detailed description of all functions that may be required to perform the job satisfactorily.

QUALIFICATIONS AND EDUCATIONAL REQUIREMENTS:
• Working knowledge of insurance policies and legal procedures for claims in Kentucky.
• Minimum of five years’ experience handling and settlement of complex bodily injury claims preferably in the State of Kentucky.
• Ability to assess complex situations, evaluate evidence, and make informed decisions regarding liability and claim value.
• Experience with medical terminology is essential.
• Exceptional communication and interpersonal skills.
• Confidence in negotiating settlements to reach mutually agreeable outcomes.
• Detail-oriented with strong organizational and time management skills.
• Excellent customer service and telephone skills.
• Ability to work in a fast-paced environment and to be able to manage multiple claims while meeting deadlines.
• College degree is preferred.
• Meet company background hiring standards.
• Continuing education and seminars related to changing claim laws.
• Ability to work in a team environment under direct management to complete assignments.

PHYSICAL REQUIREMENTS:
• Must be able to work under conditions that require: computer keyboarding, sitting, standing, walking, lifting, bending, reaching, pulling, grasping, talking, hearing and seeing.
• Clear and conceptual thinking ability, excellent judgment, troubleshooting, problem solving, analysis, and discretion, ability to handle work related stress, ability to handle multiple priorities simultaneously and to meet deadlines, ability to work in a fast paced environment.
• Reasonable accommodation may be made to a qualified individual with a disability who can perform the essential functions of the job with or without reasonable accommodation.

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