PIP Adjuster

Job Description:

The Opportunity

As a PIP Adjuster, you’ll play a critical role in enforcing the fundamental fairness on which our company was founded. You’ll be asked to push the boundaries of what’s required and to think critically as to what our customers want and how that best aligns with our product. Our goal is to leverage technology, data, and a team of highly talented people to build a claims experience that is recognized as number 1 in the industry.

Salary Range:  $60,900 - $70,000

Root is a “work where it works best” company. This means we will support you working in whatever location that works best for you across the US.

How You Will Make an Impact

• Delivers an industry-leading claim experience for all policyholders
• Consistently makes prompt and courteous contact with every claim customer
• Obtains detailed accident descriptions from drivers, passengers and witnesses with questions around mechanism of injury and document all parties/exposures 
• Utilize third party vendor to evaluate claims/bills, if in line with claim/jurisdiction issue payment for PIP medical bills
• Analysis of billing notes along with reported injuries and facts of loss to appropriately medically manage the file if applicable
• Interpret policy language and apply rules as required by jurisdiction, appropriately analyze what is owed for lost wages and household services  
• Maintains and updates a diary/schedule for each claim in the adjuster’s inventory
• Responds to claim correspondence in a timely fashion with very high quality
• Provides input for continuous development of claims guidelines and best practices
• Recommends potential product developments and process improvements
• Interacts and communicates effectively with customers, peers, vendors and managers
• Engages in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes/modifications.
• Sets and maintains a loss reserve for every claim in the adjuster's pending

What You Will Need to Succeed

• Bachelor’s degree preferred
• Successful experience handling personal injury auto insurance claims across multiple states where the applicant was directly responsible for coverage decisions, injury analysis, issuing payments, taking recorded statements, responding to correspondence, requesting authority from supervisor(s), and medically managing injury claims across multiple states
• Ability to obtain additional insurance adjuster licenses within 3 months
• PIP demand and/or litigation experience preferred
• Demonstrated high quality claim handling balanced with strong productivity
• Strong technical understanding of liability and casualty principles
• Aptitude to quickly learn and apply new concepts
• Coachable and committed to professional growth
• Experience managing first party auto claims through closure
• Viewed as a resource within team and functional area
• High sense of professionalism while remaining empathetic
• Familiarity with claims best practices required
• Curious in nature
• Great attention to detail
• Ability to approach problems with an open mind

As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.

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