PIP Claims Representative

CURE Auto Insurance (Citizens United Reciprocal Exchange); Detroit (MI); Hybrid; USD 58,000 - 77,000; Full time

Job summary

An auto insurance company in Michigan is seeking a Claims Adjuster to handle PIP claims. Responsibilities include investigating claims, verifying coverage, and establishing reserves. Candidates must have a bachelor’s degree or equivalent experience and at least 2 years in claim handling. This full-time position offers competitive pay and comprehensive benefits.

Benefits

Medical, dental, and vision insurance

401(k) with employer match

Paid time off

Life and Disability Insurance

Employee Assistance Programs (EAP)

Qualifications

• Minimum of 2 years PIP claim handling experience or commensurate medical experience.
• Strong technical knowledge of personal injury protection claims.
• Must possess strong interpersonal skills necessary to contribute as a team player.

Responsibilities

• Verify coverage, confirm eligibility, and determine course of action for claims.
• Conduct thorough claim investigations and document findings.
• Establish proper reserves for claim exposure.

Skills

Analytical skills

Strong communication skills

Detail oriented

Education

Bachelor’s degree or commensurate experience

Job description

Overview

CURE Auto Insurance (Citizens United Reciprocal Exchange) provided pay range. This range is provided by CURE Auto Insurance (Citizens United Reciprocal Exchange). Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$58,240.00/yr - $76,960.00/yr

CURE Auto Insurance is a leading direct writer of auto insurance in New Jersey, Pennsylvania, and Michigan. CURE offers a great working environment, competitive salary, and comprehensive benefits package which includes health and dental coverage, life and disability insurance, 401k with generous company match, and much more!

Responsibilities

• Receive assigned claims, verify coverage, confirm eligibility and determine course of action.
• Complete detailed, thorough claim investigation through telephone and/or written correspondence with subscribers, attorneys, witnesses and any others with information relevant to the claim.
• Analyze information obtained through investigation in order to evaluate the claim, determine PIP eligibility and determine the extent of the injuries and claim exposure.
• Establish and maintain the proper reserves for the exposure.
• Assign medical case managers or other experts to a case when appropriate and arrange for independent medical examinations when necessary to determine medical necessity and causal relationship of treatment.
• Handle incoming calls and correspondence from subscribers, claimants, attorneys and providers regarding questions or problems associated with a claim.
• Document claim files and maintain a diary system for reporting and claim follow-up.
• Handle claims in accordance with CURE's Decision Point Review Plan.
• Work closely with the Special Investigation Unit, Underwriting Department, attorneys, and other members of the Claim Department to ensure that CURE achieves optimum results on all files.
• Manages allocated loss adjustment expense. Employs outside vendors when activities cannot be completed by a staff member and directs the activities of vendors to ensure only necessary work is completed.
• Comply with all conditions outlined in the Unfair Claim Practices Acts.
• Perform other duties as assigned.

Requirements

• Education: Bachelor’s degree or commensurate experience in the insurance industry.
• Years/Type of Experience: A minimum of 2 years PIP claim handling experience or commensurate medical experience. Litigation experience is a plus.
• Licenses/Designations: Property and Casualty license a plus.
• Specific Skills: Must have the ability to analyze coverages, liability and damages.
• Knowledge: Strong technical knowledge of the statutes and regulations governing personal injury protection claims. Working practical knowledge of litigation from assignment to discovery and trial.
• Other Required or Preferred Qualifications: Detail oriented with strong written and verbal communication skills. Must be able to work independently as well as possess strong interpersonal skills necessary to contribute as a team player.

Benefits

• Medical, dental, and vision insurance
• 401(k) with employer match
• Paid time off (vacation, sick leave, and holidays)
• FSA and HRA
• Parental leave opportunities
• Life and Disability Insurance
• Employee Assistance Programs (EAP)
• Discounted tickets to CURE Arena in NJ
• Voluntary Benefits (Pet Insurance, ID & Fraud, Accident & Illness, and more!)

Starting Salary: $58,240 - $76,960

Schedule: Full-Time; Monday – Friday, 8:30 am-5 pm.

Location: Detroit, MI or Princeton, NJ

We recruit, hire, employ, train and promote, and compensate individuals based on job-related qualifications and abilities. We respect the dignity and worth of each individual and are committed to an employment environment that is free from all forms of employment discrimination.

CURE Auto Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, pregnancy, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Disclaimer: This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. This job description may be subject to change at any time.

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Seniority level

• Entry level

Employment type

• Full-time

Job function

• Finance and Sales
• Industries: Insurance

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