Personal Injury Protection Adjuster

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 

We are seeking a detail-oriented Personal Injury Protection Resolution Specialist to join our team. The PIP Resolution Specialist will be responsible for investigating and evaluating PIP / MP claims and coverage. The ideal candidate will have strong analytical skills, excellent communication abilities, and a commitment to providing exceptional customer service. Your role will also be responsible for handling an inventory of PIP claims and delivering service to all constituents of the claim. 

The ideal candidate has a willingness to work through and design process that supports the quickest claim resolution with the best outcome. In addition, you will collaborate closely with our product and engineering teams to give feedback and identify technology and process improvements.  

Who you are 

• Highly motivated and growth-oriented. You're excited by the prospect of building a tech-driven claims org. 
• Passionate claim professional who cares about the customer and their experience. 
• Empathetic. You exercise empathy and patience towards everyone you interact with.  
• Sense of urgency - at all times. That does not mean working at all hours. 
• Creative. You can find the right exit ramp (pun intended) for the resolution of the claim that is in the insured’s best interest.  
• Conflict-enjoyer. Conflict does not have to be adversarial, but it HAS to be conversational.  
• Curious. You have to want to know the whole story so you can make the right decisions early and action them to a prompt resolution.  
• Anti-status quo. You don’t just wish things were done differently, you action on it.  
• Communicative. (we'd love to know what this means to you) 
• And did we mention, you have 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, filing claims, and resolving customer requests 
• Investigate PIP / MP claims to determine coverage, extent of injury and evaluate medical billing for necessity and relatedness to the claim.
• Gather relevant documentation, interview involved parties, explain policy, coverage, and appropriate course of action and resolve related medical expenses. 
• Assess the validity of PIP claims based on collected evidence, medical records, and applicable laws. Determine the appropriate settlement amount if appropriate, ongoing plan for resolution and recommend further action if necessary.  
• Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim 
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures 
• Maintain regular communication with claimants, policyholders, attorneys, medical providers, and other relevant parties to provide updates on claim status, request additional information, and facilitate the claims process within approved payment authority 
• Prepare thorough and accurate claim reports, including detailed summaries of investigation findings, evaluation of damages, and rationale for claim decisions. 
• Provide input for continuous development of claims guidelines, best practices, and process improvements 
• Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim 
• Engage in learning opportunities to build knowledge of commercial lines claims, court decisions impacting the claims function, current guidelines in claims function, 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 Injury Protection, ideally experience with: 

• Handling the states of NY / NJ / MI / FL and/or KY. 
• Subrogation referrals 
• Bodily Injury and coordination of benefits between PIP and UM / UIM.
• Arbitration and or formal PIP/MP litigation

• Have active adjuster license(s) and be willing to obtain all licenses within 45 days, including completing state required testing 
• Knowledge of state regulations, policy provisions, and standard operating procedures 
• Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures 
• Curious and motivated by problem solving and questioning the status quo 
• Desire to engage in learning opportunities and continuous professional development 
• Willingness to travel for client and claims needs 

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 

• Provide a manageable pending for you to deliver the service in a way you’ve always wanted and a dedicated account 
• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster  
• 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 and believe that a variety of perspectives leads to innovation and success. We are actively seeking candidates who will bring unique perspectives and experiences to our team and welcome applicants from all backgrounds. If you believe you are a good fit for this role, we would love to hear from you!