Bodily Injury Claims Adjuster III

Horace Mann; Springfield (IL); On-site; USD 67,000 - 92,000; Full time

Benefits offered by this job

Bonus

Travel opportunities

Job summary

Horace Mann is seeking an experienced Bodily Injury Adjuster III to join our Claims team in Springfield. You will manage complex, high-exposure bodily injury claims, including investigations, litigation, and negotiations, while delivering exceptional customer service.

You will verify coverage and liability, evaluate damages, and rely on medical and legal insights to guide settlements and claim strategies. This role requires leadership, licensing, and independent decision-making with a focus on

Qualifications

• Minimum 7 years of bodily injury claims experience.
• Demonstrated experience handling complex bodily injury and litigation claims.
• Strong knowledge of insurance coverage, liability, medical terminology, and bodily injury evaluation.
• Experience handling UM/UIM claims.
• Proven ability to prepare and manage mediation and arbitration submissions.
• Strong business acumen, analytical skills, and sound decision-making abilities.
• Ability to work independently with minimal supervision.
• Obtain and maintain all required state adjuster licenses.
• Excellent investigation and negotiation skills
• Strong verbal and written communication abilities
• Superior organizational and time management skills
• Exceptional customer service and relationship management
• Ability to explain complex claim decisions clearly and professionally
• Strong analytical thinking and problem-solving skills
• Demonstrated leadership through mentoring and technical expertise

Responsibilities

• Investigate and manage complex bodily injury claims, including litigation and high-exposure losses.
• Verify coverage, determine liability, evaluate damages, and conduct thorough investigations.
• Analyze medical documentation, laws, and case precedents to complete evaluations.
• Demonstrate sound judgment in liability, damages, and settlement opportunities.
• Manage injury litigation from assignment through resolution.
• Prepare mediation and arbitration submissions and represent the company in dispute resolutions.
• Partner with defense counsel to develop claim strategies and outcomes.
• Negotiate settlements complying with best practices and regulatory requirements.
• Deliver exceptional customer experiences through proactive, transparent communication.
• Mentor less experienced claim professionals and share best practices.
• Maintain compliance with state regulations, policies, and standards.
• Utilize claims management systems to manage inventory and ownership of claims

Skills

Bodily injury claims

Litigation experience

Negotiation

Licensing

Investigations

Communication

Mentoring/leadership

Tools

Claims management systems

Job description

At Horace Mann, we understand that behind every claim is a person looking for guidance and support during a difficult time. We are seeking an experienced Bodily Injury Adjuster III to join our Claims team and manage complex, high-exposure bodily injury claims with professionalism, sound judgment, and technical expertise.

This role is designed for an experienced claims professional who thrives in handling complex investigations, litigation, and negotiations while delivering an exceptional customer experience. You'll serve as a trusted resource to teammates and business partners while helping ensure fair claim resolutions that align with company standards and regulatory requirements.

Key Responsibilities

Complex Claims Investigation & Resolution

• Investigate and manage complex bodily injury claims, including litigation, uninsured/underinsured motorist claims, and other high-exposure losses.
• Verify coverage, determine liability, evaluate damages, and conduct thorough investigations to support claim decisions.
• Analyze medical documentation, applicable laws, and case precedent to complete comprehensive bodily injury evaluations.
• Demonstrate sound judgment in evaluating liability, damages, and settlement opportunities.

Litigation & Negotiation

• Manage injury litigation from assignment through resolution.
• Prepare mediation and arbitration submissions and represent the company through the dispute resolution process.
• Partner with defense counsel and other legal professionals to develop claim strategies and achieve appropriate outcomes.
• Negotiate settlements while adhering to company best claim practices and regulatory requirements.

Customer Experience & Communication

• Deliver an exceptional customer experience by maintaining proactive, transparent communication throughout the life of the claim.
• Keep insureds, claimants, attorneys, and other involved parties informed regarding claim status and resolution.
• Handle sensitive and high-stress customer interactions with professionalism and empathy.

Technical Leadership

• Serve as a technical resource and subject matter expert for complex bodily injury claims.
• Mentor and provide guidance to less experienced claim professionals.
• Share knowledge and best practices to support team development and continuous improvement.

Compliance & Operational Excellence

• Maintain compliance with all state regulations, company policies, and claims handling standards.
• Obtain and maintain all required state adjuster licenses.
• Effectively utilize claims management systems and other technology tools to manage assigned inventory.
• Maintain ownership of assigned claims while meeting quality, productivity, and service expectations.

Qualifications & Experience

Required

• Minimum 7 years of bodily injury claims experience preferred.
• Demonstrated experience handling complex bodily injury and litigation claims.
• Strong knowledge of insurance coverage, liability, medical terminology, and bodily injury evaluation.
• Experience handling Uninsured Motorist (UM) and Underinsured Motorist (UIM) claims.
• Proven ability to prepare and manage mediation and arbitration submissions.
• Strong business acumen, analytical skills, and sound decision-making abilities.
• Ability to work independently with minimal supervision.
• Obtain and maintain all required state adjuster licenses.
• Excellent investigation and negotiation skills
• Strong verbal and written communication abilities
• Superior organizational and time management skills
• Exceptional customer service and relationship management
• Ability to explain complex claim decisions clearly and professionally
• Strong analytical thinking and problem-solving skills
• Demonstrated leadership through mentoring and technical expertise

Additional Information

• Normal office environment.
• Periodic travel may be required

Salary Range:

• $66,500.00 - $92,000.00 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

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