Liability Bodily Injury Claims Adjuster

This is a remote position.

Whip is seeking an experienced Liability Bodily Injury (BI) Claims Adjuster to support our growing auto insurance claims operations. This role is responsible for investigating, evaluating, negotiating, and resolving third-party bodily injury claims arising from automobile accidents involving our rental fleet.

The ideal candidate brings a strong background in auto liability claims, experience evaluating bodily injury exposures, and the ability to independently manage claims from initial investigation through resolution. Experience handling Personal Injury Protection (PIP) claims is highly preferred.

This position requires a detail-oriented claims professional with strong investigative skills, sound judgment, and the ability to effectively manage complex claims while ensuring fair, accurate, and cost-effective outcomes.

Bodily Injury Claims Investigation & Evaluation

• Manage third-party bodily injury claims from initial assignment through resolution, including investigation, evaluation, negotiation, and settlement.
• Conduct thorough liability investigations, including obtaining statements, reviewing police reports, analyzing accident circumstances, and evaluating supporting evidence.
• Review medical records, medical bills, treatment histories, and supporting documentation to assess injury severity, causation, and damages.
• Evaluate liability, comparative negligence, and potential coverage issues to establish appropriate claim strategies.
• Identify pre-existing conditions, treatment gaps, unrelated medical expenses, and other factors relevant to injury evaluations.
• Establish and maintain accurate claim reserves based on documented exposures and evolving claim information.
• Recognize potentially fraudulent, exaggerated, or questionable claims and refer them for additional investigation when appropriate.

Claims Negotiation & Resolution

• Evaluate bodily injury demands and develop well-supported settlement recommendations.
• Negotiate settlements directly with claimants, attorneys, and other involved parties within assigned authority.
• Prepare detailed settlement evaluations supported by medical documentation, liability assessments, and applicable jurisdictional considerations.
• Identify opportunities for early claim resolution while protecting the company from unnecessary financial exposure.
• Manage litigated claims in coordination with defense counsel, including reviewing litigation strategies, evaluating settlement opportunities, and monitoring legal expenses.
• Ensure claims are resolved in accordance with applicable regulations, company guidelines, and established settlement authority.

Personal Injury Protection (PIP) Claims — Preferred Experience

• Review and evaluate PIP claims, including medical bills, treatment records, wage loss documentation, and other applicable benefits.
• Assess benefit eligibility, policy limits, medical necessity, and the relationship between claimed treatment and the reported accident.
• Identify duplicate billing, unsupported treatment, excessive charges, and other potential billing discrepancies.
• Coordinate with medical providers, claimants, attorneys, and other insurers to obtain documentation and resolve outstanding issues.
• Apply applicable state-specific PIP regulations, coverage requirements, and benefit limitations.

Claims Management & Collaboration

• Maintain a portfolio of active bodily injury claims, prioritizing high-severity exposures and time-sensitive matters.
• Document all claim activity, investigative findings, evaluations, settlement negotiations, and resolution decisions within the claims management system.
• Monitor claim reserves and proactively identify changes in exposure.
• Collaborate with liability, property damage, PIP,…