Claims Representative, Injury

Who is Clearcover? The Future of Car Insurance, Powered by You. Clearcover is revolutionizing the industry, putting our customers in the driver's seat. Founded in 2016, Clearcover is built on a simple premise: provide affordable, hassle-free car insurance with one of the industry's fastest claims experiences. We challenge the status quo, redefining what it means to truly put the customer first. We're rapidly growing and recognized for it! Clearcover has been featured on the Inc. 5000 Fastest Growing Privately Held Companies list and the Deloitte Technology Fast 500™ list, raising over $560 million in funding to date. We've also been honored on Insurance Business America's Top Insurance Employers list and CNBC's World's Top Insurtech Companies, with Forbes naming us one of America's Best Insurance Companies in 2025. But what makes Clearcover truly different is our people. We're a team of curious, compassionate problem-solvers who believe that doing right by our customers and each other is just good business. What will you do? At Clearcover, we lead with a simple principle: Know the Customer, Work for the Customer. As a Claims Representative, Injury, you’ll be on the front lines of that promise — guiding customers through one of the most important and often stressful moments they’ll face. You’ll bring empathy, urgency, and expertise to every interaction, handling bodily injury claims from investigation through resolution while building the kind of trust that turns a difficult experience into a lasting relationship. Guide customers through the claims process with empathy, professionalism, and a genuine sense of urgency Assess auto bodily injury claims to determine the extent of injuries, liability, and coverage Conduct thorough investigations into the circumstances surrounding injury claims, collecting and analyzing evidence, statements, and police reports to establish liability Utilize medical knowledge to evaluate the reasonableness and necessity of medical expenses Address physical damage claims and guide customers through the repair process Engage in negotiations with claimants, legal representatives, and medical professionals to reach fair settlements Manage expense budgets and present claims to committees regarding file strategies Proactively manage your claim inventory, ensuring every file is consistently moving toward resolution Maintain a high standard of customer responsiveness — returning calls, texts, and emails within expected timeframes Address customer complaints, provide appropriate solutions and alternatives, and follow up to ensure resolution Contribute to process and product information in the team’s Knowledge Base Keep accurate records of customer interactions and file documents Leverage AI-assisted tools to streamline claims documentation, accelerate coverage research, and improve the speed and accuracy of injury evaluations What do you need? 3+ years of auto bodily injury claims experience Adjuster or P&C insurance license required In-depth knowledge of medical terminology and the injury claims process Intermediate knowledge of the litigation process Demonstrated ability to remain calm and friendly under pressure and resilient to negativity Demonstrated ability to balance the needs of the customer with the needs of the business Excellent writing and grammar skills Strong active listening skills; able to communicate clearly through phone conversations Familiarity with CRM and support systems and practices Ability to multitask, prioritize, and manage time effectively College degree preferred Comfort using AI-assisted tools (e.g., Claude, ChatGPT, Copilot) to improve claims documentation, research, and workflow efficiency preferred Bonus Points: Auto litigation experience Experience handling non-standard auto insurance (NSA) products Experience working in an insurtech or technology-forward environment Hands-on experience using AI tools to automate claims documentation, summarize medical records, or accelerate file resolution Physical Requirements: Prolonged periods of sitting at a desk and working on a computer But wait, there's more… As a people-first company, your health and well-being is a priority at Clearcover. We offer comprehensive benefits and perks for all employees: Medical: Affordable BCBS plans for you and your dependents. If you select the high deductible health plan, we offer an HRA and contribute to your HSA. Dental and Vision: We cover 100% of dental and vision premiums for you and your dependents. Pre-tax benefits, disability, and life insurance 401(k): We contribute 3%, even if you contribute nothing. Generous vacation, 12 paid holidays, and parental leave Equity in the company and an annual bonus program Employee auto insurance discount (if Clearcover is available in your state) We're a remote first company, having paved the way for flexible work locations. If you're local or visiting Chicago, you're also welcome to work from our HQ office. Compensation Range:$70,000- $80,000 (USD) annually We encourage all applicants to apply, even if you don't meet every qualification listed. Research shows that underrepresented candidates — including women, people of color, and members of the LGBTQ+ community — are less likely to apply unless they meet 100% of the requirements. Don't let that be the reason you miss out. We want to hear from you. Clearcover is an Equal Opportunity Employer (EOE) that welcomes and encourages all applicants to apply regardless of age, race, color, religion, sex, sexual orientation, gender identity and/or expression, national origin, disability, veteran status, marital or parental status, ancestry, citizenship status, pregnancy, or other reasons prohibited by law.