Personal Injury Handler

1st Central; United States; Remote; USD 65,000 - 90,000; Full time

Job summary

1st Central is seeking an experienced claims professional to manage a portfolio of Personal Injury cases submitted via MoJ/OIC portals. You will triage claims, assess liability, and negotiate settlements with policyholders, insurers, and third parties.

The role requires strong communication, meticulous reserving, and the ability to handle inbound and outbound calls. You will identify fraud indicators, escalate large loss signals, and contribute to continuous improvement while building strong

Qualifications

• Experience handling personal injury claims and liability assessment.
• Ability to negotiate settlements with insurers and third parties.
• Knowledge of fraud indicators and escalation processes.

Responsibilities

• Triage and process MoJ/OIC portal claims from outset to stage 1.
• Own and manage a PI claims portfolio from receipt to conclusion.
• Manage inbound and outbound calls with policyholders and third parties.
• Accurately reserve files according to reserving philosophy.
• Assess basic liability and negotiate settlements when appropriate.
• Refer potential fraud indicators promptly.
• Identify large loss indicators and refer promptly.
• Raise continuous improvement ideas with team leadership.
• Maintain relationships with colleagues and stakeholders.
• Meet KPI and SLA targets and partake in training.

Skills

Claims handling

Negotiation

Fraud awareness

Phone skills

Communication skills

Attention to detail

Tools

OIC portal

Job description

• You'll proactively triage and process MoJ/OIC portal claims from the outset to conclusion of \"stage 1\"
• You'll own and manage a portfolio, of Personal Injury claims submitted via the OIC/MoJ portals from receipt of new claim through to conclusion contacting policyholder's, witnesses, Third Party Insurers to assess and agree liability keeping our policyholders informed on progress and managing expectations as and when required
• You'll manage inbound and outbound phone calls
• You'll ensure that all files are reserved accurately and promptly in accordance with our reserving philosophy
• You'll effectively assess basic liability decisions
• You'll effectively negotiate, as appropriate, with customers, suppliers, Unrepresented Claimants rand all relevant Third-Party representatives
• You'll promptly identify potential fraud indicators which require referral
• You'll ensure that any bodily injury claims with potential large loss indicators are referred promptly
• You'll ensure all continuous improvement ideas are raised via the Team leader or Technical Lead.
• You'll develop and maintain effective relationships with colleagues
• You'll be responsible for own personal development requirements in specialist area, by attending all training sessions to ensure understanding of technical issues
• You'll ensure that all expressions of dissatisfaction are registered in accordance with FCIM's complaint procedure
• You'll achieve all personal objectives, Key Performance Indicators (KPI's) and Service Level Agreements (SLA's)
• You'll carry out duties, activities and tasks as directed within the Claims and Fraud pillar to ensure all departments perform effectively and efficiently and meet the demands of First Central's customers and any third partiesDo you have third-party injury claims experience? Are you a logical thinker and keen to progress your career in a dynamic and fast growing insurer? Do you enjoy negotiating and managing a claim to a conclusion with strong knowledge of relevant legal jurisdictional rules and protocols? Well look no further!, Investigative mindset: Skilled at gathering facts, reviewing legal documents and investigating claims to build strong cases.
• Excellent communication: Able to communicate clearly with clients, insurers and Claimant solicitors.
• Negotiation: Confident negotiating with insurers and other parties to reach fair settlements.
• Deadline driven: Able to manage key claim deadlines and respond promptly to meet legal requirements., Experience of handling personal injury claims including indemnity validation, accurate reserve setting, liability resolution. fraud detection and large loss indicators,
• Experience of managing inbound and outbound calls
• Knowledge of claimant representatives (KYO/ Non KYO)
• Knowledge of liability assessment
• Knowledge of working with the OIC portal preferred
• Experience of working in a team environment, Effective communication skills, both verbal and written using everyday methods of communication
• Negotiation and influencing skills
• Good time management and organisation skills
• Good assertive skills
• Good time management and organisation skills with the ability to prioritise work
• Problem-solving skills with the ability to adopt a logical approach to resolving problems
• Good customer service skills
• Good numeracy and literacy skills
• Computer literate
• Good Continuous Improvement tools and techniques
• Manages Customers expectations and can identify a complaint and understand the escalation process.

Behaviours

• Tenacious and able to negotiate.
• Customer focussed
• Takes initiative to make decisions
• Self-motivated and enthusiastic
• Able to evidence a thorough approach to claims handling
• Emphasis on attention to detail and accuracy
• Ability to work on own initiative and equally collaborate with others internally or externally
• Flexible approach and positive attitude
• An organised and proactive approach
• Confident in presenting complex information in a clear and concise manner
• Strives to deliver performance targets and drive business improvements to contribute to the success of the business

At 1st Central, everything starts with our people. As one of the UK's leading motor and home insurers, we use smart technology, data and great service to make insurance fast, fair and simple for over 1.4 million customers. We're proud to create an environment where people feel supported, trusted and able to grow - whether that's developing new skills, taking on fresh challenges or making a real impact every day. If you're looking for a role where you can make a difference, we'd love to hear from you.