Bodily Injury Adjuster

Job Description

Job Description

Job Summary

We’re looking for a detail-oriented and experienced professional who thrives in a collaborative team environment where hard work and dedication are recognized and appreciated.

In this role, you’ll be responsible for investigating, evaluating, and resolving automobile accident claims, with a strong emphasis on bodily injury, including uninsured and underinsured motorist coverage. You’ll review medical records, bills, and supporting documentation to assess claim value, negotiate settlements with individuals or legal representatives, and manage litigation when necessary.

This is an excellent opportunity for someone who enjoys analytical work, values teamwork, and is committed to delivering fair and thoughtful outcomes.

Essential Duties and Responsibilities

• Investigate and assess coverage across a range of casualty claims under auto, homeowners, and umbrella policies.
• Interpret policy language and analyze claim facts to determine coverage and liability accurately.
• Conduct comprehensive investigations, including interviews with insureds, claimants, and witnesses, and review all relevant documentation.
• Draft clear and effective correspondence, such as reservation of rights letters, disclaimers, and other required communications.
• Maintain professional communication with all parties involved in the claim process.
• Establish and adjust reserves based on claim developments and exposures.
• Document coverage and liability evaluations thoroughly and clearly within the claim file.
• Identify potential fraud indicators and refer cases to the Special Investigations Unit (SIU) when appropriate.
• Evaluate bodily injury exposures to determine claim value and settlement strategy.
• Negotiate settlements with claimants, attorneys, and other representatives.
• Ensure compliance with regulatory requirements and company standards in all aspects of claim handling and documentation.
• Mentor and train less experienced staff, sharing best practices and technical expertise.
• Deliver exceptional customer service, maintaining empathy and professionalism throughout the claim lifecycle.
• Perform additional duties as assigned to support team and organizational goals.

Qualifications / Education and / or Experience

Salary $65,000-$95,000 DOE

About Bear River Mutual

Bear River Mutual, established in 1909, is Utah's oldest and largest personal lines property and casualty insurance company headquartered in Murray, Utah. The company's dedication to the Utah market and focus on high-level service have created loyal customers for over 100 years. Bear River Mutual has been recognized for its success and named one of Utah's Best Companies to Work for by Utah Business Magazine.

We provide competitive compensation for our employees. We offer comprehensive medical and dental care plans as well as long term disability, group term and supplemental life insurance to all full-time employees. We offer generous employer contributions to your heath savings accounts. In addition, we provide opportunities to earn bonuses twice a year. To help plan for your future, we offer a 401k plan with a competitive company match and a pension plan.

Understanding the importance of a good work life balance, we offer generous paid time off and company paid holidays. We care about our employees continuing their learning and development and offer an education reimbursement program and discounts on Bear River Mutual personal insurance.

The executive office is in the Salt Lake City Metro area. Bear River Mutual is an equal opportunity and at-will employer.

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