Auto Liability Claims Adjuster (Remote) in Miami, Florida at K2 Insurance Services, LLC

Patriot MGA is seeking a full-time remote Auto Liability Claims Adjuster to investigate, evaluate, and resolve personal auto liability claims. The ideal candidate is self-motivated, detail-oriented, highly organized, driven to achieve, and demonstrates excellent decision-making ability.

At Patriot MGA, we foster a collaborative culture that values accountability, teamwork, and continuous improvement. We seek professionals who are organized, customer-focused, and committed to handling claims with accuracy, efficiency, and full regulatory compliance.

Patriot MGA offers the opportunity to join an established company in growth mode. Our pay and benefits program includes:

• competitive pay

• bonus plan

• medical, dental, and vision insurance with no waiting period

• generous paid time off in year of hire

• 401(k) with employer matching

Responsibilities

• Investigate auto liability claims by reviewing statements, police reports, photographs, witness accounts, and other supporting documentation.
• Analyze accident facts and applicable state laws to determine liability and comparative negligence.
• Make timely, well-supported liability decisions and clearly document the rationale in the claim file.
• Manage an assigned inventory of claims from initial investigation through resolution or transfer to the appropriate claims specialist.
• Identify potential bodily injury exposure, recognize coverage concerns, and escalate complex or high-exposure claims when appropriate.
• Communicate professionally and effectively with insureds, claimants, attorneys, and other involved parties.
• Evaluate liability disputes, conflicting statements, and evidence to determine appropriate claim handling strategies.
• Maintain accurate and timely claim notes, diaries, follow-ups, and action plans.
• Monitor pending claims and maintain consistent follow-up to prevent unnecessary delays.
• Recognize potential fraud indicators, coverage issues, and subrogation opportunities and refer them for appropriate handling.
• Adhere to applicable state claim-handling requirements, regulatory deadlines, company procedures, and settlement authority guidelines.
• Meet established performance standards for inventory management, file quality, timeliness, and claim resolution.
• Work collaboratively with bodily injury adjusters, supervisors, and management to ensure appropriate claim outcomes.

Required Qualifications

• Minimum of 3 years of auto liability claims handling experience; 5 or more years preferred.
• Experience in an MGA, carrier, or insurance claims administration environment.
• Active adjuster licenses in applicable states, or the ability to obtain required licenses.
• Demonstrated experience investigating auto accidents and making liability determinations.
• Working knowledge of negligence, comparative negligence, and personal auto liability claim handling.
• Strong analytical, investigative, organizational, and decision-making skills.
• Excellent written and verbal communication skills.
• Ability to manage competing priorities and maintain an organized claim inventory.
• Proficiency with claims management systems and Microsoft Office.
• Ability to work independently while recognizing when supervisory guidance or additional authority is required.

Salary Range

$70,000 - $90,000 annually depending on candidate’s experience and location