Personal Lines Bodily Injury Adjuster

Description

About Reserv

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs insurance technology providers and adjusters alike.

We have ambitious (but attainable!) goals and need adjusters who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting we can’t wait to meet you.

About the role

As a Personal Lines Bodily Injury Auto Adjuster you will play a critical role in handling and resolving auto insurance claims involving bodily injuries. You’ll be responsible for investigating evaluating and negotiating claims ensuring a fair and timely resolution for all parties involved. This role requires a deep understanding of policy coverage liability assessment and medical terminology to effectively determine the validity of claims and negotiate settlements.

Who you are

• Highly motivated and growth-oriented. Excited by the prospect of building a tech-driven claims org.

• Passionate specialists who care about the customer and their experience.

• Empathetic. Exercises empathy and patience towards everyone interacted with.

• Has a sense of urgency. That does not mean working at all hours.

• Creative. Finding the right exit ramp (pun intended) for the resolution of the claim that is in the client’s best interest.

• Conflict-enjoyer. Conflict does not have to be adversarial but it HAS to be conversational. Working toward a win/win claim resolution.

• Curious. Wanting to know the whole story so the right decisions are made early and take action to prompt a quick resolution.

• Anti-status quo. Not just wishing things were done differently but taking the appropriate actions to ensure it.

• Communicative. Professional written and oral communication with all parties to a claim.

• And did we mention a sense of humor? Claims are hard enough as it is.

What we need

We need you to do all the things typical to the role:

• Provide prompt courteous and high-quality customer service to all policyholders and claimants by answering customer calls texts and/or emails in a timely and accurate manner.

• Gather necessary information from customers to initiate the claim and explain policy coverage and educate them on the claims process and next steps.

• Manage an inventory of claims establish initial reserves for all potential exposures and adjust as appropriate throughout the claim.

• Work with the APD team on the handling of property damage claims.

• Recognize recovery opportunities with regard to subrogation and salvage as well as total loss.

• Ensure compliance with specific state regulations policy provisions and standard operating procedures.

• Negotiate appropriate settlements with claimants insureds and attorneys within approved payment authority.

• Provide input to continuously develop claims guidelines best practices and process improvements.

• Know the claims inside and out and ensure outside investigative service providers including independent appraisers and defense counsel are guided based on what we need to move the file to a quick and appropriate resolution. All the while keeping our clients updated where needed.

• Engage in learning opportunities to build knowledge of claims statutes recent/updated court decisions impacting the claims function current internal guidelines and policy changes and modifications.

Requirements

• Bachelor's degree (lack of one should not stop you from applying if you possess all the other qualifications)

• Minimum of 3 years of experience on point and concentrated in personal lines bodily injury claims adjusting ideally with:

  • Third-party PD

  • Third-party bodily injury including catastrophic losses

  • UM/UIM bodily injury

  • Litigation experience

  • PIP a plus but not required

• Additional experience with commercial bodily injury claims is highly preferred

• Have active adjuster license(s) and be willing to obtain all licenses within 60 days including completing state-required testing

• Knowledge of state regulations policy provisions and standard operating procedures.

• Willingness to travel for clients and claims need

Benefits

• Generous health-insurance package with nationwide coverage vision & dental

• 401(k) retirement plan with employer matching

• Competitive PTO policy – we want our employees fresh healthy happy and energized!

• Generous family leave policy

• Work from anywhere to facilitate your work life balance paired with frequent regular corporate retreats to build team cohesion reinforce culture and have fun

• Apple laptop large second monitor and other quality-of-life equipment you may want. Technology is something that should make your life easier not harder!

Additionally we will

• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role

• Work toward reducing and eliminating all the administrative work from an adjuster role

• Foster a culture of empathy transparency and empowerment in a remote-first environment

At Reserv we value diversity in backgrounds perspectives and life experiences and believe that diversity in viewpoints and critical thinking drives innovation first-principles thinking and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role we would love to hear from you!