Personal Injury Protection (PIP) Claim Adjuster

Reserv; Atlanta (GA); Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health insurance nationwide

401(k) employer match

Generous PTO

Family leave after 8 months

Work from anywhere

Apple laptop and monitor

Job summary

Reserv is seeking a PIP Adjuster to join a remote-first claims team. You will investigate and evaluate PIP/MP claims, manage your inventory, and communicate outcomes to claimants and attorneys.

The role emphasizes customer service, accuracy, and efficient resolution while navigating state regulations. The ideal candidate has 3+ years in PIP, holds an active adjuster license, and is willing to travel as needed.

Qualifications

• 3+ years of Personal Injury Protection (PIP) claims experience.
• Active adjuster license in home state; willingness to obtain other licenses within 60 days.
• Experience handling NJ and at least one other state (MI, FL, NY, TX, KY).
• Strong communication and customer service skills.

Responsibilities

• Provide high-quality customer service by handling calls, filing claims, and resolving requests.
• Investigate PIP/MP claims to determine coverage, injury extent, and medical billing.
• Gather documentation, interview parties, explain coverage, and resolve medical expenses.
• Assess claim validity and determine settlement amounts or next steps.
• Manage claim inventory and establish/adjust reserves throughout the lifecycle.
• Ensure compliance with state regulations, policy provisions, and SOPs.
• Communicate with claimants, policyholders, attorneys, and medical providers.
• Prepare thorough claim reports with investigation findings and decision rationale.
• Contribute to continuous improvement of claims guidelines and processes.
• Oversee outside service providers and coordinate with client counsel.
• Engage in learning opportunities to build claims expertise.

Skills

PIP claims handling

Strong communication

Empathetic and patient

Active adjuster license

Willing to travel

Job description

About Reserv

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike. We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you.

About the Role

We're looking for a Personal Injury Protection Resolution (PIP) Adjuster to join our growing team. You'll investigate and evaluate PIP/MP claims and coverage while managing your own inventory of claims. If you bring strong analytical skills, excellent communication, and a passion for exceptional customer service—we want to hear from you!

Who You Are

• Excited about building a tech-driven claims organization
• Passionate about the customer experience
• You're empathetic and patient with everyone you interact with
• Driven by a sense of urgency (without working around the clock)
• Creative in finding the right resolution that serves the insured's best interest
• You're comfortable with conflict-see it as conversational, not adversarial
• Curious about the whole story so you can make the right decisions early
• Anti-status quo-you don't just wish things were different, you make them different
• A strong communicator
• You have a sense of humor (claims are hard enough as it is!

What You'll Do

• Provide high-quality customer service by handling calls, filing claims, and resolving requests
• You'll investigate PIP/MP claims to determine coverage, injury extent, and evaluate medical billing
• Gather documentation, interview parties, explain coverage, and resolve medical expenses
• Assess claim validity and determine appropriate settlement amounts or next steps
• You'll manage claim inventory and establish/adjust reserves throughout the claim lifecycle
• Ensure compliance with state regulations, policy provisions, and SOPs
• Communicate regularly with claimants, policyholders, attorneys, and medical providers
• You'll prepare thorough claim reports with investigation findings and decision rationale
• Provide input for continuous improvement of claims guidelines and processes
• Oversee outside service providers and work with client counsel to resolve claims
• Engage in learning opportunities to build your claims expertise

What You Bring

• 3+ years of experience in Personal Injury Protection (don't let a lack of a degree stop you from applying if you have the experience!)
• Experience handling NJ (required) and at least one other state to include MI, FL, NY, TX and/or KY
• Preferred: Commercial, rideshare, or trucking policy experience
• You understand subrogation referrals
• Knowledge of Bodily Injury and coordination of benefits between PIP and UM/UIM
• Arbitration and/or formal PIP/MP litigation experience
• You must have an active adjuster license in your home state or designated home state (if your state does not offer one) and be willing to obtain all required licenses within 60 days
• Strong knowledge of state regulations and policy provisions
• Eager for continuous learning and professional development
• Willing to travel for client and claims needs

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy - we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• Work from anywhere to facilitate your work life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Additionally, we will

• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
• Work toward reducing and eliminating all the administrative work from an adjuster role
• Foster a culture of empathy, transparency, and empowerment in a remote-first environment

At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!

Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.