Job Type:
Full time
Salary
Job Description:
*** Must Reside within 50 miles from Tampa, Florida***
Location Details:
Hybrid – Tampa, Florida
Position Schedule / Shift:
Monday-Friday 8am-5pm ET
Position Summary:
As a Pre-Litigation Bodily Injury Adjuster , you will be at the forefront of resolving complex injury claims and delivering meaningful outcomes for customers during some of life's most challenging moments. In this highly impactful role, you will investigate, evaluate, negotiate, and resolve bodily injury claims before litigation, leveraging your expertise. This position offers an exciting opportunity to make informed decisions, manage a dynamic caseload, and play a key role in achieving exceptional claim results through proactive engagement and strategic claim handling.
Key Responsibilities:
In this position, you will have the opportunity to:
Reviewing assigned claims
Contacting the insured and other affected parties,
Setting expectations for the remainder of the claim process, and thoroughly documenting activities in the claim file.
Complete complex coverage analysis,
Ensure all possible policyholder benefits are identified,
Complete an investigation of the facts regarding the claim,
Determine if the claim should be paid and confirm recovery potential.
Conducting thorough reviews of damages and determining the applicability of state law and other factors related to the claim.
Identify when to refer claims to other company units (e.g., Underwriting, Subrogation or Special Investigation Unit).
Possess strong critical thinking and negotiating skills.
Handle both attorney represented and unrepresented claimants with injury claims that may involve coverage investigation, liability disputes, bodily injuries, and litigation.
Assist Claim Manager with file reviews and training.
Qualifications:
Required
Education (including minimum education and any licensing/certifications):
In states where an Adjuster’s license is required, the candidate must have a Florida State Adjuster License.
Degree in Business Administration, Insurance or a related field or the equivalent in related work experience
A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.
Experience:
Three years of experience or equivalent training in the following:
negotiation of claim settlements
securing and evaluating evidence
preparing manual and electronic estimates
subrogation claims
resolving coverage questions
taking statements
establishing clear evaluation and resolution plans for claims
Knowledge and Skills:
Advance knowledge of:
Fair Trade Practices Act as it relates to claims
Subrogation procedures and processes
Intercompany arbitration
Handling simple litigation
Advance knowledge of:
Skills:
handle claims to the line Claim Handling Standards
follow and apply ACG Claim policies, procedures and guidelines
work within assigned ACG Claim systems including basic PC software
perform basic claim file review and investigations
demonstrate effective communication skills (verbal and written)
demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns
analyze and solve problems while demonstrating sound decision-making skills
prioritize claim related functions
process time sensitive data and information from multiple sources
manage time, organize and plan workload and responsibilities
research analyze and interpret subrogation laws in various states
travel outside of assigned territory which may involve overnight stay
relocate, work evenings or weekends
Must reside within 50 miles from Tampa, Florida
Preferred
Education:
Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience
Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management or equivalent
CPCU coursework or designation
Work Environment:
This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come into an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or team-building events.
Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
A Bodily Claim Specialist earns a competitive annual salary of $70,000-$85,000, along with the opportunity for an annual company bonus incentive.
Benefits
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Health & Wellness
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program (confidential support services).
Financial Protection & Insurance
Company-paid basic life insurance.
Optional supplemental life insurance and dependent coverage.
Short-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
Retirement & Savings
Time Off & Leave
Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.
Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.
Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
Paid holidays:
Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays, and 1 volunteer day. Holidays will vary by business schedules
Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays will vary by business unit schedules.
Paid leave programs, including parental, bereavement, jury duty, and military leave.
Career Growth & Education
Tuition assistance (up to $5,250 annually; 80% covered by ACG).
Professional certification support with 100% reimbursement for eligible programs.
Opportunities for career development and advancement.
Additional Perks
Job Posting Period:
This position is expected to remain posted through August 20, 2026; however, it may close at any time once a qualified candidate pool is identified.
#LI-AH2
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.
Regular and reliable attendance is essential for the function of this job.
AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.
