Bodily Injury Claims Adjuster III

ViziRecruiter,LLC.; United States; Remote; USD 67,000 - 92,000; Full time

Job summary

Horace Mann is seeking an experienced Bodily Injury Adjuster III to manage complex BI claims, including litigation, UM/UIM, and other high-exposure losses. You will coordinate investigations, assess liability and damages, and negotiate settlements while maintaining regulatory compliance.

The role emphasizes customer-focused communication, technical leadership, and mentorship to junior staff, with opportunities to contribute to continuous improvement within the claims team.

Qualifications

• Minimum 7 years of bodily injury claims experience preferred.

Responsibilities

• Investigate and manage complex bodily injury claims, including litigation, UM/UIM, and other high-exposure losses.
• Prepare mediation and arbitration submissions and represent the company through dispute resolution.
• Deliver an exceptional customer experience with proactive, transparent communication throughout the claim lifecycle.
• Serve as a technical resource and mentor to less experienced claim professionals.
• Maintain compliance with state regulations, policies, and claims handling standards.

Skills

Biased investigations?

Negotiation

Analytical thinking

Communication skills

Independent work

Tools

Claims management systems

Job description

Introduction

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.

Overview

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.

Salary Range:

• $66,500.00 - $92,000.00 annually + bonus

Salary is commensurate to experience, location, etc.

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.

Requirements

• 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.

Skills & Competencies

• 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.