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 adjusters 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

As a Personal Lines Bodily Injury Auto Adjuster, you will play a critical role in handling and resolving auto insurance claims involving bodily injuries. You’ll be responsible for investigating, evaluating, and negotiating claims, ensuring a fair and timely resolution for all parties involved. This role requires a deep understanding of policy coverage, liability assessment, and medical terminology to effectively determine the validity of claims and negotiate settlements.

Who you are

Highly motivated and growth-oriented. Excited by the prospect of building a tech-driven claims org.
Passionate specialists who care about the customer and their experience.
Empathetic. Exercises empathy and patience towards everyone interacted with.
Has a sense of urgency. That does not mean working at all hours.
Creative. Finding the right exit ramp (pun intended) for the resolution of the claim that is in the client’s best interest.
Conflict-enjoyer. Conflict does not have to be adversarial, but it HAS to be conversational. Working toward a win/win claim resolution.
Curious. Wanting to know the whole story so the right decisions are made early and take action to prompt a quick resolution.
Anti-status quo. Not just wishing things were done differently but taking the appropriate actions to ensure it.
Communicative. Professional written and oral communication with all parties to a claim.
And did we mention a sense of humor? Claims are hard enough as it is.

What we need

We need you to do all the things typical to the role:

Provide prompt, courteous, and high-quality customer service to all policyholders and claimants by answering customer calls, texts, and/or emails in a timely and accurate manner.
Gather necessary information from customers to initiate the claim and explain policy, coverage, and educate them on the claims process and next steps.
Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim.
Work with the APD team on the handling of property damage claims.
Recognize recovery opportunities with regard to subrogation and salvage, as well as total loss.
Ensure compliance with specific state regulations, policy provisions, and standard operating procedures.
Negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority.
Provide input to continuously develop claims guidelines, best practices, and process improvements.
Know the claims inside and out and ensure outside investigative service providers, including independent appraisers and defense counsel, are guided based on what we need to move the file to a quick and appropriate resolution. All the while keeping our clients updated where needed.
Engage in learning opportunities to build knowledge of claims statutes, recent/updated court decisions impacting the claims function, current internal guidelines, and policy changes and modifications.

Requirements

Bachelor's degree (lack of one should not stop you from applying if you possess all the other qualifications)
Minimum of 3 years of experience on point and concentrated in personal lines bodily injury claims adjusting, ideally with:

Third-party PD
Third-party bodily injury, including catastrophic losses
UM/UIM bodily injury
Litigation experience
PIP a plus, but not required

Additional experience with commercial bodily injury claims is highly preferred
Have active adjuster license(s) and be willing to obtain all licenses within 60 days, including completing state-required testing
Knowledge of state regulations, policy provisions, and standard operating procedures.
Willingness to travel for clients and claims need

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
Work from anywhere to facilitate your work life balance paired with frequent, regular corporate retreats to build team cohesion, reinforce culture, and have fun
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!

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Personal Lines Bodily Injury Adjuster