Litigation Adjuster - Bodily Injury and Property Damage

United Automobile Insurance Company; Miami (FL); Remote; USD 70,000 - 100,000; Full time

Job summary

United Automobile Insurance Company is seeking a Litigation Adjuster – Property Damage and Bodily Injury to join our remote Southeast regional team. The ideal candidate will manage litigated auto liability claims, including PD and BI exposures, with strong negotiation and documentation skills.

Requirements include a Florida or Texas adjuster license and 3+ years of progressive claims experience, plus familiarity with defense counsel collaboration and strict regulatory compliance.

Qualifications

• Minimum 3 years of progressive auto liability claims handling with PD/BI exposure.
• Active Florida or Texas adjuster license required.
• Experience handling attorney-represented and high-exposure claims.
• Strong negotiation and documentation skills.

Responsibilities

• Manage litigated auto liability claims from assignment to resolution.
• Investigate coverage, liability, damages, and exposure.
• Respond to demands, discovery, and negotiations with defense counsel.
• Review medical records and repair estimates to assess damages.
• Set accurate reserves and monitor case progress.
• Maintain detailed file documentation per standards.
• Collaborate with SIU, underwriting, and subrogation teams.

Skills

Litigation claims handling

Negotiation

Documentation

Regulatory compliance

Time management

Communication

Independent work

Claim evaluation

Education

Bachelor’s degree

Adjuster license

Bilingual preferred

Tools

Guidewire

Claims systems

Job description

COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a Litigation Adjuster – Property Damage and Bodily Injury to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

SCOPE:

The Liability Litigation Adjuster is responsible for the handling, investigation, evaluation, and resolution of auto liability claims in litigation, including attorney-represented claims involving property damage and bodily injury. This role requires strong technical claim handling, litigation management, and negotiation skills to ensure timely, cost-effective claim resolution while maintaining compliance with state regulations.

Ideal candidates will bring at least 3+ years of progressive litigation claims handling experience, with depth in PD, BI, , and the ability to manage claims with minimal supervision.

This position offers a remote work arrangement, allowing the ideal candidate to work from their preferred location within the Southeast region.

Key Responsibilities

• Manage a pending of litigated auto liability claims from assignment through resolution
• Investigate and evaluate coverage, liability, damages, and exposure
• Handle attorney-represented claims, including responding to demands, discovery, and negotiations
• Evaluate and adjust property damage claims (primary focus) and bodily injury claims (preferred exposure)
• Partner with defense counsel to develop litigation strategy and monitor case progress
• Attend mediations, settlement conferences, and trials (as needed)
• Set and manage accurate reserves based on claim evaluation
• Review medical records, repair estimates, and expert reports to assess damages
• Ensure compliance with Florida and Texas claims handling regulations
• Negotiate settlements within authority and escalated high-exposure claims appropriately
• Maintain detailed file documentation in accordance with company and regulatory standards
• Collaborate with SIU, underwriting, and subrogation teams when applicable

Required Qualifications

• Minimum 3 years of experience handling automobile liability claims, with demonstrated experience in litigated property damage (PD), bodily injury (BI claims (combined or individually)
• Strong, hands‑on experience managing complex PD claims, including total losses, evaluations, and third‑party liability
• Proven experience handling attorney‑represented, escalated, or disputed claims, including active litigation files
• Solid understanding of coverage analysis, liability determination, negligence principles, and damages assessment
• Ability to independently manage a litigated or high‑exposure BI/PD caseload in compliance with internal guidelines and regulatory requirements
• Demonstrated negotiation, settlement, and conflict‑resolution skills, including experience negotiating with attorneys
• Excellent written and verbal communication skills, with the ability to draft clear claim notes, position letters, and settlement documentation
• Active adjuster license in Florida and/or Texas
• Strong organizational and time‑management skills, with the ability to prioritize in a fast‑paced environment

Preferred Qualifications

• Direct experience handling litigated property damage (third party) and bodily injury claims, including soft tissue, complex injuries, and exposure analysis
• Prior litigation claims handling experience, including working with defense counsel, discovery, evaluations, and settlement authority recommendations
• Familiarity with non‑standard auto insurance environment
• Experience with claims management systems such as Guidewire, or similar platforms
• Experience participating in mediations, arbitrations, or settlement conferences
• Knowledge of state‑specific statutes, thresholds, and tort environments (Florida and/or Texas preferred)

EDUCATION:

• Bachelor’s degree in a related field, or equivalent combination of education and experience
• Bilingual preferred
• Adjusters license required

BENEFITS:

• 401(k) Retirement Savings Plan with employer match
• Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
• Paid Time Off, Holidays, and Leave programs
• Flexible spending accounts
• Basic Life Insurance and Voluntary Life/ADD
• Short Term and Long-Term Disability

UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.