At Horace Mann, we're committed to helping educators and their families recover when the unexpected happens. We are seeking an experienced Bodily Injury Adjuster II to investigate, evaluate, negotiate, and resolve auto bodily injury claims while delivering an exceptional customer experience. In this role, you'll independently manage a diverse inventory of bodily injury claims, applying your claims expertise to evaluate liability, injuries, medical bills, and damages. You'll collaborate with customers, attorneys, medical providers, and business partners to ensure fair claim resolutions while adhering to company best practices and regulatory requirements. This is an excellent opportunity for an experienced claims professional looking to expand their technical expertise and prepare for increasingly complex litigation and high-exposure claims.

Key Responsibilities

Claims Investigation & Evaluation Verify coverage, investigate liability, and determine the scope of damages for assigned bodily injury claims. Conduct thorough, detailed, and accurate investigations to evaluate claim facts and determine appropriate resolutions. Evaluate accident facts, injuries, medical records, and medical bills to determine causation, liability, and claim value. Analyze claim information and move claims toward timely and appropriate resolution. Claims Resolution & Negotiation Negotiate settlements in accordance with company best claim practices and applicable state regulations. Manage an assigned inventory of bodily injury claims while working independently and making sound claims decisions. Gain exposure to claims involving litigation, partnering with leaders or peers as appropriate. Maintain ownership of the claim throughout the claim lifecycle while providing a seamless customer experience. Customer Experience & Communication Provide proactive, transparent, and timely communication to customers, claimants, attorneys, and other involved parties. Deliver an extraordinary customer experience through professionalism, empathy, and responsive service. Effectively utilize claims operating systems and communication tools to support claim handling activities. Professional Development & Collaboration Demonstrate leadership and conflict resolution skills when working with customers and business partners. Collaborate with internal departments and external vendors to ensure efficient claim resolution. Continue building technical knowledge of bodily injury claims, litigation, and regulatory requirements. Qualifications & Experience Required Experience handling bodily injury claims or related casualty claims. Ability to investigate coverage, liability, and damages independently. Strong understanding of insurance policies, claims handling practices, and applicable regulations. Ability to obtain and maintain all required state adjuster licenses. Strong analytical, negotiation, and decision-making skills. Excellent verbal and written communication skills. Strong organizational and time management abilities. Preferred Prior bodily injury claims experience. Experience handling attorney-represented claims. Exposure to litigation claims. Demonstrated ability to work independently while managing a high-volume claim inventory. Skills & Competencies Strong investigation and analytical skills Effective negotiation and conflict resolution Sound judgment and decision-making Customer-focused with a commitment to service excellence Attention to detail and ownership of the claim experience Ability to manage multiple priorities in a fast-paced environment Strong communication and relationship-building skills Additional Information Obtain and maintain all required state adjuster licenses. Periodic travel may be required. Pay Range: $57,500.00 - $79,100.00 annually + bonus Salary is commensurate to experience, location, etc. Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets. We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators. EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status For applicants that are California residents, please review our California Consumer Privacy Notice All applicants should review our Horace Mann Privacy Policy