Bodily Injury Claims Adjuster

Bodily Injury Claims Adjuster

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Remote, FL

Reporting To: Javier Melendez

Compensation: $67,000 - $70,000 / year

Description

Our Story

Imagine being part of a team that's not just shaping the future but actively driving it. At Davies North America, we're at the forefront of innovation and excellence, blending cutting-edge technology with top-tier professional services. As a vital part of the global Davies Group, we help businesses navigate risk, optimize operations, and spearhead transformation in the insurance and regulated sectors.

We are seeking an experienced Bodily Injury Claims Adjuster to join our growing team. This role is responsible for the investigation, evaluation, negotiation, and resolution of complex third-party liability claims involving bodily injury, personal injury, and allegations of wrongdoing. Claims may include General Liability, Auto Liability, Errors & Omissions, and Law Enforcement Liability exposures.

The ideal candidate will possess strong investigative skills, excellent judgment, a customer-focused approach, and the ability to independently manage claims through resolution while maintaining compliance with client requirements and applicable regulations.

Key Responsibilities

• Investigate, evaluate, negotiate, and resolve third-party bodily injury and liability claims in accordance with client guidelines and Davies best practices.
• Review all new claim assignments within 24 hours and develop an appropriate plan of action.
• Contact insureds, claimants, attorneys, and other involved parties within 24 hours of claim assignment.
• Conduct thorough investigations to determine liability, causation, damages, and exposure.
• Obtain recorded statements from claimants, insureds, witnesses, and other involved parties as necessary.
• Gather and evaluate evidence, including medical records, photographs, police reports, expert reports, and witness statements.
• Coordinate appraisals, damage estimates, and field investigations when required.
• Determine injury status of all parties involved in claims and accident investigations.
• Analyze coverage, liability, damages, and settlement exposure.
• Evaluate claims involving attorneys and determine the appropriate level of legal involvement.
• Negotiate settlements within authority and seek payment authorization in accordance with client and company requirements.
• Maintain accurate reserves and recommend adjustments based on claim development.
• Manage litigated claims and coordinate with defense counsel when assigned.
• Immediately notify management and clients of any Summons and Complaint received.
• Monitor defense counsel performance and obtain status updates at minimum 90-day intervals.
• Review field adjuster reports for thoroughness, accuracy, and completeness.
• Run ISO ClaimSearch reports on injured claimants and evaluate findings as appropriate.
• Report qualifying claims to excess carriers and provide timely status updates.
• Respond to Reservation of Rights inquiries and carrier communications as needed.
• Develop and maintain working knowledge of No-Fault/PIP statutes and regulations.
• Ensure Medicare reporting compliance and follow company guidelines when resolving claims involving Medicare recipients.
• Review claims for compliance with applicable sovereign immunity statutes and governmental liability requirements, including Florida Statute 768.28 when applicable.
• Maintain complete and timely claim documentation, file notes, correspondence, and workflow activities.
• Maintain diary systems and follow-up schedules to ensure timely claim progression and closure.
• Meet established service standards, closure goals, productivity expectations, and quality metrics.
• Maintain required adjuster licenses and continuing education credits.
• Assist colleagues, supervisors, and management with special projects and claim-related support as needed.

Skills, knowledge & expertise

• College degree or equivalent claims experience preferred.

• Active Adjuster License required or ability to obtain and maintain appropriate licensing.

• Minimum of 3+ years of bodily injury claims handling experience.

• Experience handling:

• Auto Liability Claims

• General Liability Claims

• Errors & Omissions Claims

• Law Enforcement Liability Claims

• Strong understanding of:

• Tort law

• Liability analysis

• Bodily injury evaluation

• Medical terminology

• Coverage interpretation

• Litigation management

• Experience independently handling claims from assignment through closure.

• Experience working with defense counsel and litigated files preferred.

• Knowledge of Medicare reporting requirements and excess carrier reporting procedures preferred.

• Familiarity with ISO ClaimSearch and industry-standard claims platforms.

• Excellent negotiation and settlement skills.

• Exceptional written and verbal communication abilities.

• Strong organization, documentation, and time management skills.

• Ability to prioritize multiple assignments in a fast-paced environment.

• Strong analytical, investigative, and problem-solving skills.

• Proficiency with Microsoft Office Suite and claims management systems.

• Ability to work independently with minimal supervision while maintaining high-quality claim outcomes.

Equal Employment Opportunity & Legal Notices

Benefits

At Davies North America, we are dedicated to supporting the well‑being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage

Benefit offerings, eligibility, and required employer contributions may vary based on role, classification, and applicable federal, state, and local laws, including those tied to an employee's primary work location.

Where required by law, the Company provides paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.

Diversity and Inclusion

Davies is dedicated to fostering a diverse and inclusive workplace that embraces a wide range of perspectives and experiences. We believe that diversity of thought is essential for innovation and creativity, and we actively promote an environment where all voices are valued and heard.

Compensation Transparency:

The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills, experience, qualifications, and geographic location, which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.

Background Check & Fair Chance Compliance

Any background check or review of criminal history, if applicable to the role, will be conducted only after a conditional offer of employment and in compliance with applicable federal, state, and local laws, including fair‑chance hiring requirements.

Massachusetts Notice

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

We do not use sites like Facebook, Craigslist, or Telegram to recruit or interview potential employees or contractors. If you have been asked to provide any information through any method other than our career portal, please email us at recruitment@davies-group.com