COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for an EUO Examiner to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

SCOPE:

The EUO Examiner plays a crucial role in the claims investigation process within UAIC. This position involves conducting detailed interviews with insured individuals under oath to gather critical information that aids claims adjusters in assessing the validity of claims. The examiner must identify and document any questionable circumstances or inconsistencies that could impact the outcome of a claim. The gathered information is meticulously analyzed and forwarded to the Special Investigations Unit (SIU) when necessary, ensuring that the company takes appropriate action in cases of potential fraud or misrepresentation. This role requires a high level of impartiality, attention to detail, and the ability to work independently, contributing directly to the integrity and accuracy of the claims process. This position offers a remote work arrangement, allowing the ideal candidate to work from their preferred location.

DUTIES:
 

• Thoroughly review all relevant preliminary documents before conducting an interview. This includes the adjuster’s EUO request, driver’s license, attorney’s information, case notes, police reports, medical bills, policy applications, and any other pertinent materials that may impact the interview process.
• Develop a tailored interview strategy based on the reviewed documents, focusing on areas that may present inconsistencies or require further clarification.
• Conduct in-depth interviews with insured parties under oath, ensuring all questions are clear, relevant, and appropriately sequenced to extract necessary information.
• Carefully observe and document any alleged injuries, noting physical appearance, demeanor, and any discrepancies in the claimant's description of injuries or events.
• Secure necessary claims releases, non-injury statements, and confirmation of treatment notices as part of the interview process when applicable.
• Evaluate the statements provided during the EUO to identify any inconsistencies, red flags, or indicators that might warrant further investigation by the SIU.
• Prepare and submit a detailed referral to the Special Investigations Unit (SIU) when fraudulent activity or significant discrepancies are suspected. This includes a comprehensive summary of findings and supporting documentation.
• Request and review transcripts of the EUO, ensuring accuracy and completeness before they are submitted to the claims adjuster or legal teams.
• Accurately and promptly enter all interview notes, findings, and related documentation into the AS400 system, ensuring that the claims file is up to date and easily accessible for further review.
• Ensure the collection of detailed information regarding prior losses, medical history, workers' compensation injuries, and any attorney or clinic referrals. This includes probing for additional context or discrepancies related to these areas.
• Attend depositions as required, providing testimony or support regarding the EUO process, the findings, and any other relevant aspects of the claim.
• Assist legal teams during trials by offering insights or testimony related to the EUO, ensuring that the examination process and its results are clearly presented in a legal context.
• Assist with clerical tasks related to the EUO process as required, such as organizing case files, preparing documents for upcoming EUOs, or managing correspondence with attorneys and claimants.
• Effectively manage time and workload to balance the demands of multiple cases, ensuring that all EUO-related tasks are completed in a timely manner.
• Ensure all actions are in compliance with company policies, legal standards, and ethical guidelines, maintaining the highest standards of professionalism and integrity throughout the EUO process.
• Strictly maintain the confidentiality of all claim-related information, protecting the privacy of the insured and the integrity of the claims process.

• High school diploma or equivalent required. (Advanced degrees preferred).
• Bilingual (English and Spanish) preferred.

• Minimum of one (1) year prior EUO experience, or an equivalent combination of education and experience.
• Familiarity with property and casualty insurance industry practices and regulations is a plus.
• Proficiency with computer applications; familiarity with AS-400 systems is a plus.
• Strong interpersonal skills with the ability to communicate clearly and concisely, both verbally and in writing.
• Detail-oriented with excellent organizational skills, capable of managing and prioritizing a large workload.
• Ability to work independently with minimal supervision, as well as collaboratively within a team environment.
• Strong ethical standards, with a commitment to maintaining objectivity and confidentiality.

BENEFITS:

• 401(k) Retirement Savings Plan with employer match.
• Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
• Paid Time Off, Holidays, and Leave programs.
• Flexible spending accounts
• Basic Life Insurance and Voluntary Life/ADD
• Voluntary Short Term and Long-Term Disability

Please note that the salary range listed is an estimate provided by the job board and might not align with accurate information. The actual salary for this position may vary based on experience and qualifications. Candidates are encouraged to discuss compensation during the interview process.
 

UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. 

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