• Auto Bodily Injury Adjuster- Non Represented

    Location US-AZ-Mesa
    Job ID
  • Summary

    Esurance is looking for an Auto Bodily Injury Adjuster (Non Represented) to join a dynamic and award-winning team of individuals who are committed to making insurance smarter, easier, and dare we say- cooler. As part of a growing company that is focused on providing an outstanding customer experience, you’ll have the opportunity to expand your skills and discover your potential.


    If you’re looking for a career at a socially conscious company that offers great benefits — including matching 401k and tuition reimbursement — then you may have just found your new home. 


    Esurance combines the spunk of a startup company with the backing of Allstate (the largest publicly held personal lines insurer in the U.S.) to create a unique, energized, and exciting place to work. 


    The Non Attorney Represented Bodily Injury Adjuster focuses on the needs of the customer, advocating for them throughout the claims process. Handles third party bodily injury and property damage claims. The Bodily Injury Adjuster will explore all settlement opportunities and tools for resolution, focusing on claim resolution without attorney involvement and with authority levels up to $10,000, and handling claims in excess of this authority with manager supervision.


    Job Responsibilities:

    • Understands concepts of coverage, policy interpretation, exposure recognition and liability determination to analyze and move claims toward resolution. Focus will be on timely, aggressive and quality contacts, investigations, evaluations and negotiations.
    • All aspects of the claim file including key activities, contacts, statements, coverage and liability investigation and analysis are documented.
    • Analyzes facts of loss, injury and possible injury exposure for proper reserving.
    • Determines liability exposures for moderate impact losses to include complex comparative negligence.
    • Makes appropriate material damage assignments and handles rental where applicable.
    • Reviews medical records and bills to validate the accuracy of services provided
    • Completes injury evaluation summary including liability, damages, causation, diagnosis, treatment, reserves and general damages.
    • Reviews, evaluates and negotiates bodily injury claims with unrepresented parties.
    • Where appropriate, utilizes outside investigators or experts to assist in the review or investigation of claims.
    • Negotiate liens with healthcare and worker’s compensation providers on injury claims
    • Properly identifies and refers files to subrogation for collection timely.
    • Properly identifies and refers files for specialization such as SIU focus, minor damage focus.
    • Sends and responds to all forms of correspondence timely and within department of insurance regulations.
    • Plans, conducts and manages investigations of auto theft, fire, vandalism and first party Motorcycle claims.



    • Detail-oriented with strong organizational, negotiation, influential, and customer service skills, able to work well under deadlines in a changing environment and perform multiple tasks effectively and concurrently.
    • Demonstrated ability to work effectively independently and within a collaborative team oriented environment using sound judgment in decision-making.
    • Demonstrated ability to manage relationships with both internal and external customers.
    • Excellent communication skills both oral and written with strong presentation skills.
    • Strong analytical and problem solving skills.
    • Demonstrated knowledge with MS Office products (Outlook, Word, Excel) and claims related software applications.
    • Demonstrated knowledge of medical treatments and understanding of the relationship between vehicle impact and claimed injuries.
    • Demonstrated knowledge with handling claims involving minor to moderate issues of coverage.
    • Demonstrated knowledge of motorcycle, fire and theft claims.

    Experience / Education:

    •  Bachelor’s degree and/or equivalent experience required
    • Minimum two year of claims adjusting experience required
    • Bodily Injury claims handling experience strongly preferred 


    Physical Demands and Work Environment:  

    Representative of those that must be met by an employee to successfully perform the essential functions of this job. Must be able to operate a PC and sit for extended periods of time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.



    At Esurance, being committed to our employees is not just something we say, it’s something we do. Our benefits package is designed to help our associates stay healthy, meet their long-term financial goals, and balance the demands of work and personal life. Esurance rewards hard work, dedication, and creativity with competitive salaries and a generous bonus system. We are committed to our employees and we are dedicated to creating a diverse, positive, innovative and team-oriented work environment.


    Health & wellness

    • Medical, vision, and dental insurance
    • Life Insurance
    • Accidental death and dismemberment coverage
    • Wellness tools and coaching
    • Group critical illness coverage
    • Accident indemnity and hospital indemnity plans
    • Group legal
    • Student Loan Repayment Program
    • Identity Protection



    • 401(k) plan with annual matching contribution
    • Choice Dollars
    • Referral bonuses
    • Performance-rewarding bonus system
    • Tuition assistance program (up to $5,250 per year)
    • Health savings and flexible spending accounts
    • Commuter benefits


    Family & community

    • Adoption assistance
    • Buckle Up Baby program
    • Pet insurance discount
    • Charitable gift matching
    • Give Time, Get Time volunteer program
    • Employee Assistance Program


    Time off

    • Paid time off (holidays, vacation, personal days)
    • Short-term disability
    • Long-term disability (employee-paid option)


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