Commercial Casualty Adjuster - Represented

Kemper; Birmingham (AL); On-site; USD 60,000 - 90,000; Full time

Job summary

Kemper is seeking a Commercial Casualty Adjuster – Represented to handle investigation, evaluation, and negotiation of bodily injury and uninsured motorist claims. This role requires advanced claim handling, strong analytical abilities, and independent work within a team.

The position emphasizes policy analysis, reserve setting, and collaboration across departments to move claims toward timely resolution. Excellent communication and negotiation skills are essential.

Qualifications

• High school diploma or equivalent required.
• Minimum of three years casualty claims experience in auto insurance.
• Proficiency with Microsoft Office and web-based applications.
• Licensing as required by state where applicable; strong judgement and discretion.

Responsibilities

• Investigate claims by policy language, limits, and bodily injury.
• Develop strategy to resolve coverage, liability, injury, and property damage.
• Review policy provisions and endorsements to verify coverage and reserve decisions.
• Negotiate settlements with insureds, claimants, attorneys, and others.
• Attend depositions, mediations, arbitrations, and trials when needed.
• Document claim progression and set bodily injury reserves.

Skills

Insurance policies

State laws

Auto claims knowledge

Analytical skills

Time management

Communication skills

Customer service

Negotiation skills

Education

High school diploma

Tools

Microsoft Office

Job description

Location(s)

Birmingham, Alabama, Dallas, Texas, Doral, Florida, Lake Mary, Florida, McAllen, Texas

Details

Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises.

At Kemper, a Commercial Casualty Adjuster – Represented is responsible for the investigation,evaluation, and negotiation of attorney represented bodily injury and uninsured motoristcommercial vehicle claims with varying degrees of complexity. This role requires advancedclaim handling skills for the interpretation of commercial vehicle policies. This positionnecessitates strong analytical abilities, core venue knowledge, attention to detail, and theability to operate independently and as part of a cohesive team.

Principal Duties and Responsibilities

• Conduct investigation of varying complexity, including policy language and limits, and bodily injury claims utilizing investigative tools, based on claims and state regulatoryguidelines and procedures established by the department.
• Develop a comprehensive strategy to identify and resolve coverage, liability, injury, andproperty damage, efficiently and accurately.
• Examine all provisions, endorsements and complex legal relationships of the claim policyand other records to verify applicable insurance coverage and make financial decisions within authority limits.
• Develop and implement negotiation strategies when communicating settlement related information to insureds, claimants, attorneys, body shop personnel, medical providers, and other parties.
• Attend depositions/mediation/arbitration/pre-trials/trials and all other legal proceedings, when needed.
• Conduct analyses of represented bodily injury claims. Research and interpret injury related statutory provisions and case law, examine points of impact and extent ofdamage relative to the injury claimed, access prior injury information, obtain properrelease documentation, obtain medical reports, and conduct detailed injury-specific research relating to the injury claimed, thoroughly document injury related treatmenthistory and develop a comprehensive settlement strategy.
• Thoroughly document the progression of each claim and set bodily injury reserves ensuring an accurate and organized record.
• Act as mentor and provide staff training.
• Collaborate with various departments to efficiently move claims toward final resolution.
• Performs other duties as assigned.

Minimum Job Requirements

• A high school diploma or equivalent is required.
• A minimum of three years casualty claim experience in the auto insurance industry.
• Proficiency in basic computer skills including Microsoft Office Suite products and web based applications.
• Must obtain and maintain state required licensing, where applicable.
• Initiative, sound judgement, and discretion

Required Job Skills

• Comprehensive understanding of insurance policies and knowledge relevant state lawsand regulations governing auto insurance claims.
• Time management skills ensuring deadlines are met for claim resolution.
• Strong analytical skills to evaluate claim information, assess damages, and makeinformed decisions regarding liability and settlement amounts.
• Effective communication skills, both verbal and written, to interact with variousstakeholders.
• Excellent customer service skills.
• Excellent negotiation skills for resolving disputes and reaching agreements

Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free fromdiscrimination.

Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee.

Kemper will never request personal information, such as your social security number or banking information, via text or email.Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates.If you receive such a message, delete it.