Casualty Adjuster – Auto Insurance

American Freedom Insurance Company

Casualty Adjuster managing diverse caseload of third-party automobile injury claims for American Freedom Insurance. Specializing in evaluating, negotiating, and resolving various stages of claims effectively.

Posted 7/24/2026full-timeRemote • Illinois, Ohio, Pennsylvania, Tennessee, Texas • 🇺🇸 United StatesMid-LevelSenior💰 $80,000 - $100,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge in managing third-party automobile injury claims, with a focus on effective negotiation, coverage analysis, and compliance with state laws. Proficient in collaborating across teams to drive timely resolutions and process improvements.

Highest-signal resume keywords

Auto Insurance Casualty Claim ExperienceNegotiation SkillsCoverage And Liability AnalysisSpanish SpeakingAttention To Detail

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationClaims EvaluationClaims ResolutionPolicy Language ComprehensionRisk MitigationDrafting Coverage Position LettersProblem SolvingCourt Process UnderstandingComplex Claims ManagementProcess Improvement

Soft Skills

Critical ThinkingCollaborationMentoringCommunication Skills

Tools & Technologies

Microsoft OfficeMicrosoft WordMicrosoft Excel

Industry Keywords

Tennessee ExperienceSevere-Injury ClaimsRegulatory ComplianceThird-Party ClaimsCasualty Claims

About the role

Key responsibilities & impact

Take full ownership of a diverse caseload of third-party automobile injury claims, proactively investigating, evaluating, negotiating, and resolving claims at all stages, including unrepresented, represented, early litigation, and time-sensitive policy limit demand cases.
Able to easily comprehend and apply policy language provisions, conditions and exclusions, incorporating knowledge of applicable state laws, judicial decisions and regulations
Responsible for an inventory of casualty claim files
Identify high-risk matters, maintain appropriate follow-up, and take timely action to mitigate unnecessary claim exposure, including legal, financial, and extra-contractual risk
Draft coverage position letters, denials or correspondence as needed
Manage claims to achieve fair and efficient timely resolutions while minimizing indemnity, defense, and claim expenses through effective investigation, evaluation, and negotiation
Able to work across teams in the claim department to collaborate and mentor personnel on coverage and liability concepts, driving accurate and timely decisions and settlement amounts
Identify process improvements to optimize business outcomes and increase efficiency
Assist in responding to attorney, regulatory, produce, vendor, and consumer inquiries

Requirements

What you’ll need

Minimum 5 years auto insurance casualty claim experience
Bachelor’s degree preferred
Spanish Speaking preferred
Advanced knowledge and proven success in the resolution of complex, severe-injury claims
Non-standard auto insurance experience preferred but not required - Tennessee experience a plus
Proficient and effective negotiation skills on complex claims
Attention to detail producing high quality work product
Able to critically think and offer practical solutions
Strong coverage and liability analysis skills
Knowledge of state laws and regulations relative to claim practices
Ability to solve problems and find solutions expeditiously
Understand concepts of court processes
Excellent oral and written communication skills
Proficiency with technology, primarily Microsoft Office – Word and Excel

Benefits

Comp & perks

Competitive Salary: Rewarding your expertise and experience
Financial Security: 401K with up to a 6% company match
Health & Wellness: Choice of Blue Cross Blue Shield PPO, HMO, or HSA plans, Dental and Vision coverage, Access to telemedicine services
Growth/Stability: Over 12 consecutive years of profitable growth, confirmed by A+ Superior rating by A.M. Best
Work-Life Balance: Monday-Friday, 8 am-5 pm CST, with holiday pay and PTO
Employee Recognition: We celebrate work milestones to show appreciation for your contributions
Professional Growth: Paid training, state licensing reimbursement, and opportunities for advancement
Positive Culture: Enjoy our inclusive holiday events, employee referral bonuses, virtual team meetings, and more