Bodily Injury Litigation Claim Representative

BI Litigation Claims Specialist

CURE Auto Insurance is a leading direct writer of auto insurance in New Jersey, Pennsylvania, and Michigan. CURE offers a great working environment, competitive salary, and comprehensive benefits package which includes health and dental coverage, life and disability insurance, 401k with generous company match, and much more

CURE is seeking an experienced Claims Adjuster to join our team as a Bodily Injury Litigation Claims Representative. We are an auto insurance carrier operating in Michigan, New Jersey, and Pennsylvania. This position is responsible for managing bodily injury auto claims, including uninsured and underinsured motorist claims, in the states of Michigan, New Jersey, and Pennsylvania.

Essential Job Functions:

• Investigate the validity of claims, evaluate policy coverage, and determine if any referrals to the Special Investigation Unit (SIU) are necessary.

• Make prompt contact with policyholders and other relevant parties to gather required documentation, conduct recorded statements, and more.

• Establish initial reserves based on gathered information, adjusting as needed throughout the life of the claim.

• Negotiate timely and fair settlements with claimants, attorneys, or other parties. Issue accurate payments as appropriate.

• Identify potential risks, red flags, and fraud indicators, escalating concerns to the SIU when applicable.

• Maintain an organized diary system to ensure all claims are handled efficiently and in compliance with timelines.

• Effectively manage the loss costs associated with litigation claims.

• Adhere to all state and local regulations, including New Jersey and Pennsylvania Unfair Claims Practices and Guidelines.

Experience/Qualifications:

• 1+ year of experience handling Bodily Injury claims.

• Strong communication skills, both verbal and written, with the ability to provide excellent customer service.

• Exceptional organizational and time management abilities.

• Strong analytical, investigative, and negotiation skills.

• Proficiency in Microsoft Office and the ability to learn and navigate new computer systems and technologies.

Benefits

• Comprehensive health benefits including medical, dental and vision coverage

• Generous paid time off (PTO days, sick days, and holidays)

• Flexible spending options with FSA & HSA plans

• Life and AD&D insurance

• 401(k) with company match 

• Voluntary benefits such as legal services, pet insurance, and identity & fraud protection

• 24/7 Employee Assistance Program (EAP) for employees and their families

• Health & wellness perks including gym discounts, wellness reimbursements, and reward programs

• Fun, engaging in-office events that support our culture

Physical Actions/Environment: Required job duties consist of prompt and regular attendance, ability to frequently move about the office to coordinate work with others; standing, sitting and typing for extended periods; and lifting and/or carrying up to 5 lbs. Ability to frequently communicate with others in-person, on the phone/virtually, and in writing. Ability to read, understand, process and evaluate large amounts of technical information and make related, informed decisions. 

Starting Salary: $66,560 - $85,280

Schedule: We offer flexible work hours between 8:00 AM and 5:00 PM, and employees can choose a schedule that works best for them—8:00 AM–4:00 PM, 8:30 AM–4:30 PM, or 9:00 AM–5:00 PM. While we aim to support individual preferences, final schedules may be adjusted based on business needs to ensure great coverage and teamwork.

We offer a hybrid work schedule: team members work onsite 4 days per week and have the flexibility to work remotely 1 day per week.

Location: Detroit, MI or Princeton, NJ

We recruit, hire, employ, train and promote, and compensate individuals based on job-related qualifications and abilities. We respect the dignity and worth of each individual and are committed to an employment environment that is free from all forms of employment discrimination. 

CURE Auto Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, pregnancy, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Disclaimer: This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.  This job description may be subject to change at any time.

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.