Bodily Injury/Casualty Claims Adjuster Non-Li

CURE Auto Insurance (Citizens United Reciprocal Exchange); Princeton (NJ); Hybrid; USD 60,000 - 79,000; Full time

Job summary

CURE Auto Insurance in Princeton, NJ (also Detroit, MI) is seeking an experienced BI claims examiner to handle non-litigation auto claims, including uninsured/underinsured motorist cases. The role requires 2–4 years of BI claims handling and strong customer service skills.

You will investigate claims, set reserves, negotiate settlements, and ensure compliance with state guidelines while maintaining organized diaries in a hybrid work environment.

Qualifications

• Minimum 2 years BI claims handling experience.
• Clear, professional communication and superior customer service via phone and written correspondence.
• Strong organizational and time management skills.
• Excellent analytical, investigative, and settlement abilities.
• Proficiency with Microsoft Office and related systems.

Responsibilities

• Investigate validity of auto BI claims and assess policy coverages.
• Make prompt contact with policyholders and required parties to collect documentation and statements.
• Establish initial reserves and adjust as needed through claim completion.
• Negotiate timely settlements with claimants, attorneys, or other parties and issue payments.
• Identify red flags and fraud indicators; alert Special Investigation Unit when applicable.
• Maintain an organized diary to ensure timely handling of all claims.
• Adhere to NJ/PA/MI Unfair Claims Practices and Guidelines.

Skills

BI claims handling

Communication

Organization

Analytical skills

Settlement skills

Tools

Microsoft Office

Job description

CURE Auto Insurance is a leading direct writer of auto insurance in New Jersey, Pennsylvania, and Michigan. CURE offers a great working environment, competitive salary, and comprehensive benefits package which includes health and dental coverage, life and disability insurance, 401k with generous company match, and much more!

This position is responsible for the handling of non-litigation bodily injury auto claims including uninsured and underinsured motorist claims. Candidates should have 2-4 years of experience handling auto insurance claims.

Responsibilities

Investigate validity of claims, evaluate policy coverages, and determine if any special investigation unit referrals are warranted. Set expectations, develop a plan of action, and perform all tasks according to company set guidelines.

Make prompt contact with policyholders and other appropriate parties involved in the loss to obtain the necessary documentation, conduct recorded statements, etc.

Establish initial reserves based on gathered information and adjust as appropriate through completion of assigned claim.

Negotiate timely and appropriate settlements with claimants, attorneys, or other parties. Issue proper and accurate payments as needed.

Identify questionable risks, red flags, fraud indicators and alert the special investigation unit when applicable.

Establish and maintain an organized diary system to ensure all claims are properly and adequately handled in a timely manner.

Adhere to all state/local regulations including the NJ/PA/Michigan Unfair Claims Practices and Guidelines.

Other responsibilities or duties as assigned.

Requirements

A minimum of 2 years BI claims handling experience.

Ability to communicate clearly, professionally, and provide superior customer service over the phone and through written correspondence.

Strong organizational and time management skills.

Excellent analytical, investigative, and settlement skills.

Proficient with Microsoft Office and various other computer skills with the ability to learn and utilize new computer systems and other technologies.

Medical, dental, and vision insurance

401(k) with employer match

Paid time off (vacation, sick leave, and holidays

FSA and HRA

Parental leave opportunities

Life and Disability Insurance

Employee Assistance Programs (EAP)

Discounted tickets to CURE Arena in NJ

Voluntary Benefits (Pet Insurance, ID & Fraud, Accident & Illness, and more!)

Physical Actions/Environment: Required job duties consist of prompt and regular attendance, ability to frequently move about the office to coordinate work with others; standing, sitting and typing for extended periods; and lifting and/or carrying up to 5 lbs. Ability to frequently communicate with others in-person, on the phone/virtually, and in writing. Ability to read, understand, process and evaluate large amounts of technical information and make related, informed decisions.

Salary:$60,320 - $79,040 annually based on experience

Schedule:Monday – Friday, 8:30am-5pm. We offer a hybrid work schedule: team members work onsite 4 days per week and have the flexibility to work remotely 1 day per week.

Location:Princeton, NJ or Detroit, MI

We recruit, hire, employ, train and promote, and compensate individuals based on job-related qualifications and abilities. We respect the dignity and worth of each individual and are committed to an employment environment that is free from all forms of employment discrimination.

CURE Auto Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, pregnancy, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Disclaimer: This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. This job description may be subject to change at any time.

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.