Large Loss BI Adjuster (UM/UIM)

Allstate Insurance Company

$85K — $145K *
US-Anywhere
+ 44 other locationsRemote
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in handling complex bodily injury claims
  • Strong skills in coverage analysis and liability investigations
  • Proven track record in negotiating and resolving high exposure claims
  • Knowledge of UM/UIM claims and policy limits management
  • Preferred litigation experience, particularly in complex claims

Responsibilities

  • Grants settlement authority on complex claims exceeding MCO and RCO limits
  • Reviews cases for Closed Without Payment decisions based on tort value exposure
  • Supports field agents with coverage issue referrals and litigation direction
  • Analyzes data from file reviews for litigation cases and reports findings
  • Collaborates with Field leadership on complex case evaluations and next steps
  • Engages with multiple departments to inform on new products and claims handling practices

Benefits

  • Comprehensive technology setup for remote work including laptop and monitors
  • Monthly connectivity reimbursement for eligible remote employees
  • Flexible work-from-home policy with essential workspace requirements
Full Job Description
Job Description
The Senior Consultant II is responsible for granting settlement authority on highly complex claims valued in excess of Market Claim Office (MCO) and Regional Claim Office (RCO) limits, providing recommendations on requests to go to trial on cases where the gross exposure is in excess of MCO authority, and general oversight of all large losses for a specific CSA or CSAs. The individual may also provide discretionary referrals on coverage issues, opinions and research. In addition, the Sr Cons II may provide approval on Closed Without Payment (CWP) requests where liability is disputed, and the value is in excess of Field authority.

We are seeking a Large Loss Bodily Injury Adjuster with a focus on UM/UIM claims. This role involves handling complex BI claims across a range of policy limits, from 15/30 and 35/70 up to 100/300. Claims may involve injuries ranging from soft tissue to fatalities. The ideal candidate will posses strong skills in coverage analysis, liability investigations, and injury evaluation, along with the ability to effectively negotiate and resolve high exposure claims. Litigation experience is preferred but not required. Apply today and join our growing team!

Key Responsibilities
• Performs file reviews for various complex projects or for cases in litigation, analyzes data, and reports findings
• May review cases to determine if CWP is appropriate given gross tort value exposure
• Supports the Field with discretionary referrals on complex coverage issues and engages Home Office Claim litigation for involvement and direction as needed
• Reviews coverage, liability, and/or damages on highly complex cases referred for authorization and collaborates with Field leadership on addition steps to be taken and other feedback and direction
• Collaborates with Frontline Performance Experts (FPEs), Frontline Performance Leaders (FPLS), and Claim Process Specialists (CPSs) to share experience and trends identified in referred cases
• Works with Product, Protection, Law, and Claims on new products introduced to the Field and the sales force, and develops Claim Bulletins to provide new forms and/or endorsements that impact claim handling practices

Supervisory Responsibilities
• This job does not have supervisory duties.

#LI-KR1

Skills
Analytical Thinking, Auto Insurance Claims, Automobile Accidents, Casualty Insurance, Claims Resolution, Client Counseling, Complex Claims, Conflict Management, Fatal Accidents, Industry Trend Analysis, Insurance, Insurance Claims, Insurance Coverage, Insurance Investigation, Large Loss Claims, Liability Investigations, Litigation, Negotiation, Personal Injury Claims, Torts

Compensation
Compensation offered for this role is 85,000.00 - 145,075.00 annually and is based on experience and qualifications.

Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs.

When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.

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