Auto Claims Adjuster POST NUMBER: 450682

As a Senior Claims Adjuster – Auto Injury & Bodily Injury Specialist, you will manage the full lifecycle of insurance claims, with a particular focus on complex bodily injury (BI) auto claims. You will draw on your experience with major insurance carriers to evaluate injury claims, soft tissue damage, litigation files, and related ICD-9/ICD-10 medical coding. A key component of the role involves retrospective analysis of claims from 2021, 2022, and 2023, supporting litigation efforts and claim resolution strategies.

You will ensure that all claims are handled promptly, professionally, and with precision. This role also requires occasional travel for field investigations, settlement conferences, or inspections as needed.

Principal Duties & Responsibilities

Auto Injury & BI Claims Specialization

• Conduct retrospective review of injury claims from 2021–2023 with a focus on litigation support.

• Evaluate bodily injury claims, including soft tissue injuries, minor impact trauma, and treatment reasonableness.

• Assess medical records and treatments using ICD-9 and ICD-10 codes to verify claim validity and proper coding.

• Work closely with litigation teams to prepare claim summaries, review legal documentation, and support settlement strategies.

• Provide expertise in injury causation, BI claim valuation, and applicable legal standards.

General Claims Handling

• Investigate and apply coverage for a wide range of personal and commercial auto policies across multiple states.

• Compose position letters, non-waiver agreements, reservation of rights letters, disclaimers, and other formal correspondence.

• Strategically handle claims using available tools (e.g., remote inspection technology, third-party adjusters).

• Manage all communications professionally and promptly—responding within established timelines.

• Conduct thorough investigations and ensure claim files are accurately documented to support every decision.

• Recognize and report fraud indicators; coordinate with the Special Investigations Unit (SIU) as necessary.

• Identify and pursue subrogation and salvage opportunities where applicable.

• Manage litigation effectively—collaborating with legal teams, tracking legal expenses, and negotiating settlements.

• Adjust claim and expense reserves in alignment with claim developments and financial best practices.

• Deliver excellent customer service, de-escalate conflict, and maintain a customer-centric mindset.

• Ensure full compliance with Unfair Claim Practice Acts, insurance regulations, and internal standards.

Minimum Qualifications

• Education: Bachelor's Degree (BA/BS/BBA) or equivalent combination of education and experience.

• Experience:

• Minimum 5 years in auto insurance claims adjusting, with emphasis on bodily injury (BI) evaluation and litigation support.

• Prior experience with major carriers is strongly preferred.

Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.

EEO Notice

Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.

Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com .

Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.

By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

Privacy Notice

Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
• Virginia residents may access our state specific policies here.
• Residents of all other states may access our policies here.
• Canadian residents may access our policies in English here and in French here.
• Residents of countries governed by GDPR may access our policies here.

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

• the individual’s skill sets, experience and training;
• licensure and certification requirements;
• office location and other geographic considerations;
• other business and organizational needs.

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.