Early Bodily Injury (EBI) Auto Adjuster

Company Overview

Founded in 1989, United Automobile Insurance Company (UAIC) is an established and innovative organization dedicated to delivering exceptional service to our policyholders and agents. As one of the largest privately held property and casualty insurance companies in the United States, UAIC has built its success on disciplined underwriting, strategic claims handling, and continuous investment in technology and talent. Our commitment to operational excellence has made us a market leader in every state where we operate.

Position Summary

The Early Bodily Injury (EBI) Adjuster is responsible for investigating, evaluating, negotiating, and resolving low-complexity automobile claims involving non-represented bodily injury claimants and related property damage. This role manages claims from initial investigation through settlement by evaluating coverage, determining liability, assessing damages, and negotiating fair, timely resolutions while delivering exceptional customer service and ensuring compliance with company policies and applicable state regulations.

The ideal candidate possesses strong investigative, analytical, and negotiation skills and thrives in a fast-paced environment while managing a high-volume caseload.

Key Responsibilities

• Investigate and manage a caseload of non-represented bodily injury and related property damage claims.
• Review insurance policies, police reports, medical records, repair estimates, photographs, and other supporting documentation to determine coverage, liability, and damages.
• Evaluate minor bodily injury claims, including soft tissue injuries, and review vehicle damage using industry-standard estimating tools, as applicable.
• Document claim investigations, evaluations, and decisions accurately and thoroughly.
• Negotiate fair and timely settlements for bodily injury and property damage claims within assigned authority.
• Communicate professionally with insureds, claimants, repair facilities, medical providers, and other stakeholders throughout the claims process.
• Maintain complete, accurate, and timely claim files.
• Identify and escalate complex claims, coverage issues, suspected fraud, or litigated matters as appropriate.
• Collaborate with Underwriting, Legal, Special Investigations, and other internal departments to facilitate efficient claim resolution.
• Ensure compliance with company policies, state regulations, and industry standards while providing exceptional customer service.

Scope

• Handles non-litigated claims involving non-represented bodily injury claimants and associated property damage.
• Exercises settlement authority within established guidelines.
• Works independently while consulting leadership on complex claim matters.
• Effectively manages multiple priorities in a fast-paced environment.

Required Qualifications 

• 1–3 years of automobile claims adjusting experience handling property damage claims. Prior bodily injury claims experience is required; candidates must demonstrate a willingness to develop expertise in bodily injury claims handling.
• Active Florida All-Lines Adjuster License.
• Strong investigative, analytical, organizational, and decision-making skills.
• Excellent written, verbal, and interpersonal communication skills.
• Effective negotiation and customer service abilities.
• Ability to manage a high-volume caseload while meeting productivity and quality expectations.
• Proficiency with claims management systems and Microsoft Office applications.

Preferred Qualifications

• Bachelor's degree or an equivalent combination of education and experience.
• Experience handling early bodily injury claims involving non-represented claimants.
• Knowledge of medical terminology and automobile repair estimating.
• Experience with coverage analysis and liability investigations.

Success Profile

The successful candidate is:

• Detail-oriented with strong documentation practices.
• Customer-focused and committed to delivering quality service.
• Confident and effective in negotiating claim settlements.
• Organized and able to manage competing priorities.
• Able to exercise sound judgment and make timely decisions.
• Adaptable, collaborative, and committed to continuous learning.

Performance Expectations

• Meet established goals for productivity, quality, compliance, customer satisfaction, and claim cycle time.
• Resolve claims accurately, efficiently, and within assigned settlement authority.
• Maintain timely customer contact, complete documentation, and organized claim files.
• Consistently demonstrate sound claims handling practices and adherence to company policies and regulatory requirements.

Benefits

• 401(k) Retirement Savings Plan with employer match
• Comprehensive Medical, Prescription Drug, Dental, and Vision Insurance
• Paid Time Off, Company Holidays, and Leave Programs
• Flexible Spending Accounts (FSA)
• Basic Life Insurance and Voluntary Life/AD&D Insurance
• Short-Term and Long-Term Disability Insurance

UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit  .

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.