Auto Claims Adjuster – Multi-State with Florida Focus

Kin Insurance; United States; Remote; USD 60,000 - 95,000; Full time

Benefits offered by this job

RSUs equity

401(k) with company match up to 4%

Medical, dental, and vision coverage

Company-funded HSA contributions

Life insurance & short-term disability

Mental health support

Flexible PTO

Job summary

Kin Insurance is seeking an Auto Claims Adjuster to manage collision, comprehensive, and disputed liability auto claims across states, with a focus on Florida. The role requires 3+ years of auto claims experience and an active Adjuster license.

You will investigate, document, and resolve claims from first report to settlement, while staying licensed across required states. As a remote-first employer, Kin offers growth, ongoing CE, and cross-state collaboration.

Qualifications

• 3+ years of auto claims adjusting experience.
• Experience handling Florida auto claims, including Florida’s insurance code and PIP statute; experience in additional states (e.g., Texas, Georgia, Colorado, Arizona) a plus.
• Experience investigating and resolving disputed liability claims, including coverage analysis and determination.
• Experience handling Medical Payments coverage claims; PIP handling experience a plus.
• Proven ability to mentor junior adjusters, leading file reviews and coaching through complex claims.
• Experience working directly for an insurance carrier.
• Familiarity with Excel, Snapsheet, and Slack.

Responsibilities

• Manage a full caseload of collision, comprehensive, third-party property damage, disputed liability, and Medpay-only claims.
• Investigate and document claims from first report through resolution, evaluating vehicle damage, determining coverage, and assessing liability on contested files.
• Review estimates and negotiate repair or total-loss settlements directly with appraisers and repair facilities.
• Analyze claims exposure, set reserves, and drive negotiation strategy on complex files.
• Draft coverage letters and resolve disputed liability claims across multiple states, including Florida.
• Maintain active adjuster licensing and CE credits across all required states, staying current on statutory changes and case law.
• Mentor junior adjusters through file reviews and coverage questions.
• Build and maintain vendor relationships with appraisers and repair facilities to drive faster claim resolutions.

Skills

Auto claims adjusting

Florida auto claims

Disputed liability analysis

Medical Payments / PIP knowledge

Mentoring junior adjusters

Insurance carrier experience

Tools

Excel

Snapsheet

Slack

Job description

Kin Insurance is seeking an Auto Claims Adjuster to manage collision, comprehensive, and disputed liability auto claims across states, with a focus on Florida. The role requires 3+ years of auto claims experience and an active Adjuster license.

You will investigate, document, and resolve claims from first report to settlement, while staying licensed across required states. As a remote-first employer, Kin offers growth, ongoing CE, and cross-state collaboration.