Bodily Injury Claims Adjuster II

Horace Mann; Springfield (IL); On-site; USD 58,000 - 79,000; Full time

Job summary

Horace Mann seeks an experienced Bodily Injury Adjuster II to investigate, evaluate, negotiate, and resolve auto bodily injury claims while delivering an exceptional customer experience. You will independently manage a diverse inventory of claims, assessing liability, injuries, medical bills, and damages, and collaborate with claimants, attorneys, providers, and partners.

This role offers growth toward complex litigation and high-exposure claims, requiring strong analytical, negotiation, and

Qualifications

• Experience handling bodily injury claims.
• Ability to investigate coverage, liability, and damages independently.
• Strong analytical, negotiation, and decision-making skills.
• Excellent verbal and written communication skills.
• Ability to obtain and maintain state adjuster licenses.

Responsibilities

• Verify coverage, investigate liability, and determine the scope of damages for assigned bodily injury claims.
• Conduct thorough, detailed, and accurate investigations to evaluate claim facts and determine appropriate resolutions.
• Evaluate injuries, medical records, and medical bills to determine causation, liability, and claim value.
• Analyze claim information and move claims toward timely and appropriate resolution.
• Negotiate settlements in accordance with company best claim practices and applicable state regulations.
• Manage an assigned inventory of bodily injury claims while working independently and making sound claims decisions.
• Gain exposure to claims involving litigation, partnering with leaders or peers as appropriate.
• Maintain ownership of the claim throughout the claim lifecycle while providing a seamless customer experience.

Skills

Bodily Injury Claims

Negotiation

Analytical Skills

Communication Skills

Independent Work

Tools

Claims Software

Job description

At Horace Mann, we're committed to helping educators and their families recover when the unexpected happens. We are seeking an experienced Bodily Injury Adjuster II to investigate, evaluate, negotiate, and resolve auto bodily injury claims while delivering an exceptional customer experience.

In this role, you'll independently manage a diverse inventory of bodily injury claims, applying your claims expertise to evaluate liability, injuries, medical bills, and damages. You'll collaborate with customers, attorneys, medical providers, and business partners to ensure fair claim resolutions while adhering to company best practices and regulatory requirements.

This is an excellent opportunity for an experienced claims professional looking to expand their technical expertise and prepare for increasingly complex litigation and high-exposure claims.

Key Responsibilities

• Verify coverage, investigate liability, and determine the scope of damages for assigned bodily injury claims.
• Conduct thorough, detailed, and accurate investigations to evaluate claim facts and determine appropriate resolutions.
• Evaluate accident facts, injuries, medical records, and medical bills to determine causation, liability, and claim value.
• Analyze claim information and move claims toward timely and appropriate resolution.
• Negotiate settlements in accordance with company best claim practices and applicable state regulations.
• Manage an assigned inventory of bodily injury claims while working independently and making sound claims decisions.
• Gain exposure to claims involving litigation, partnering with leaders or peers as appropriate.
• Maintain ownership of the claim throughout the claim lifecycle while providing a seamless customer experience.

Customer Experience & Communication

• Provide proactive, transparent, and timely communication to customers, claimants, attorneys, and other involved parties.
• Deliver an extraordinary customer experience through professionalism, empathy, and responsive service.
• Effectively utilize claims operating systems and communication tools to support claim handling activities.

Professional Development & Collaboration

• Demonstrate leadership and conflict resolution skills when working with customers and business partners.
• Collaborate with internal departments and external vendors to ensure efficient claim resolution.
• Continue building technical knowledge of bodily injury claims, litigation, and regulatory requirements.

Qualifications & Experience

Required

• Experience handling bodily injury claims or related casualty claims.
• Ability to investigate coverage, liability, and damages independently.
• Strong understanding of insurance policies, claims handling practices, and applicable regulations.
• Ability to obtain and maintain all required state adjuster licenses.
• Strong analytical, negotiation, and decision-making skills.
• Excellent verbal and written communication skills.
• Strong organizational and time management abilities.

Preferred

• Prior bodily injury claims experience.
• Experience handling attorney-represented claims.
• Exposure to litigation claims.
• Demonstrated ability to work independently while managing a high-volume claim inventory.
• Strong investigation and analytical skills
• Effective negotiation and conflict resolution
• Sound judgment and decision-making
• Customer-focused with a commitment to service excellence
• Attention to detail and ownership of the claim experience
• Ability to manage multiple priorities in a fast-paced environment
• Strong communication and relationship-building skills

Additional Information

• Obtain and maintain all required state adjuster licenses.
• Periodic travel may be required.

Pay Range:

• $57,500.00 - $79,100.00 annually + bonus

Salary is commensurate to experience, location, etc.

Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.

We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.

EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Horace Mann ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval, or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

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