First Party Subrogation Adjuster

United Auto Insurance
Miami, FL
COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a 1 st Party Subrogation Adjuster to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business .

SCOPE :
The First Party Subrogation Adjuster is responsible for investigating, evaluating, and pursuing recovery opportunities on first-party property damage claims. This role focuses on maximizing recoveries by identifying responsible third parties, building strong liability cases, negotiating settlements, and referring appropriate claims for litigation when warranted. The adjuster will conduct thorough investigations, gather supporting evidence, and ensure all subrogation opportunities are fully developed and pursued.

This position offers a remote work arrangement, allowing the ideal candidate to work from their preferred location within the Southeast region.

Essential Duties and Responsibilities
  • Review first-party property damage claims to determine subrogation potential.
  • Evaluate policy coverage and confirm eligibility for subrogation recovery.
  • Conduct thorough investigations to establish liability against at-fault parties.
  • Analyze police reports, witness statements, photographs, recorded statements, repair estimates, and other claim documentation.
  • Obtain additional evidence necessary to strengthen subrogation demands, including:
    • Insured and witness statements
    • Surveillance or security video
    • Photographs
    • Accident reports
    • Vehicle inspections
    • Any other documentation supporting liability and damages
  • Prepare and present comprehensive subrogation demands to adverse carriers or responsible parties.
  • Negotiate settlements to maximize recoveries while maintaining compliance with company guidelines.
  • Identify claims with litigation potential by evaluating liability, damages, collectability, and available evidence.
  • Review files to determine whether litigation is appropriate and refer qualifying claims for legal action.
  • Assess collectability of claims and recommend appropriate recovery strategies.
  • Work closely with attorneys, vendors, investigators, and internal departments throughout the recovery process.
  • Maintain accurate and detailed claim documentation in the claim management system.
  • Manage diary activities to ensure timely follow-up and compliance with department standards.
  • Meet departmental productivity, quality, and recovery goals.
  • Continuously identify opportunities to improve recovery outcomes and contribute ideas that increase department performance and overall recoveries.
EDUCATION:

  • Bachelor’s degree in insurance, risk management, or a related field (preferred).
  • Minimum of 2 years of experience as an adjuster.
  • Adjuster’s License.
SKILLS & EXPERIENCE:

  • Strong knowledge of insurance policies, regulations, and procedures.
  • Strong analytical and problem-solving skills.
  • Bilingual preferred (English/Spanish).
  • Excellent communication and negotiation abilities.
  • Attention to detail and organizational skills.
  • Proficient in Word, Excel, Windows-based applications and internet usage.
  • Ability to work independently, make sound judgments and handle multiple claims simultaneously.

BENEFITS:
  • 401(k) Retirement Savings Plan with employer match.
  • Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
  • Paid Time Off, Holidays, and Leave programs.
  • Flexible spending accounts
  • Basic Life Insurance and Voluntary Life/ADD
  • Short Term and Long-Term Disability
UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.

Posted 2026-07-17

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