United Automobile Insurance Company

• Organize, mentor, and develop a high-performing team of field and/or virtual appraisers. • Assign, monitor, and prioritize appraisal workloads to meet service level agreements (SLAs) and company objectives. • Conduct regular team meetings to share updates, resolve issues, and encourage engagement. • Review complex or high-value claims for estimate accuracy, policy compliance, and state regulatory adherence. • Implement and manage quality assurance programs to ensure consistent and accurate appraisals. • Stay current on repair laws, parts/materials pricing trends, and insurance industry best practices.

• Investigate and manage a caseload of non-represented bodily injury and related property damage claims • Review insurance policies, police reports, medical records, repair estimates, photographs, and other supporting documentation to determine coverage, liability, and damages • Evaluate minor bodily injury claims, including soft tissue injuries, and review vehicle damage using industry-standard estimating tools, as applicable • Document claim investigations, evaluations, and decisions accurately and thoroughly • Negotiate fair and timely settlements for bodily injury and property damage claims within assigned authority • Communicate professionally with insureds, claimants, repair facilities, medical providers, and other stakeholders throughout the claims process • Maintain complete, accurate, and timely claim files • Identify and escalate complex claims, coverage issues, suspected fraud, or litigated matters as appropriate • Collaborate with Underwriting, Legal, Special Investigations, and other internal departments to facilitate efficient claim resolution • Ensure compliance with company policies, state regulations, and industry standards while providing exceptional customer service

• 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.

• Review and assess PIP claims to determine coverage eligibility. • Analyze medical records, police reports, and other relevant documents to evaluate the extent of injuries and to establish proof of loss. • Interpret insurance policies, contracts, and state regulations to determine the extent of coverage applicable to each claim. • Communicate with claimants, medical professionals, attorneys, and other parties involved in the claim process to gather necessary information and documentation. • Provide clear and concise explanations of coverage decisions to claimants. • Conduct interviews with claimants to gather necessary information that supports an objective final disposition of the claims. • Maintain accurate and organized claim files with all pertinent information, including correspondence, medical records, and assessment reports. • Issue payments for approved claims in accordance with company policies. • Ensure compliance with state laws, regulations, and company policies in all claim handling activities. • Generate and submit reports on claims activity, trends, and performance metrics. • Identify and investigate potentially fraudulent activities related to PIP claims. • Collaborate with the special investigation unit (SIU) when fraud is suspected. • Provide excellent customer service by addressing inquiries, concerns, and providing timely updates to claimants. • Prepare reports and documentation for internal purposes, regulatory compliance, and potential legal proceedings.

• Generate revenue and meet sales targets by establishing and maintaining relationships with existing agencies. • Seek out and acquire new business opportunities. • Initiate contact with independent agencies within your designated territory. • Identify decision makers and key contacts within the agency. • Ensure that agencies are aware of our contact information and the departments responsible for specific inquiries. • Familiarize yourself with the agency's history and operations. • Assess opportunities for growth and profitability within the agency. • Analyze the agency's size, business volume, target customer base, lead generation methods, and more. • Conduct 16-20 unique in-person sales calls per week. • Document all visits and include detailed notes in the corresponding calendar event within 24 hours of the visit.

• Create and send claims-related letters or tasks abiding by strict timelines according to state-specific compliance requirements. • Maintain all data-related fields up to date in the claims system. • Maintain and manage data fields on additional vendors’ systems. • Adhere to statutory regulations, HIPAA compliance, account protocols, and department policy and procedures. • Respond to claim inquiries on behalf of the adjusters. • Perform administrative tasks to support daily business operations. • Maintain an organized filing system and database of documents within the claims system. • Gather all necessary documents to respond to Subpoenas for records. • Request claims checks in the system on behalf of the claims adjuster. • Monitor and work the SBQ (System Backlog Queue) to support timely progression of PIP claims and prevent processing delays. • Review, route, and update documents and tasks within Perceptive, maintaining proper indexing and claim file documentation. • Generate, review, and distribute PEER Reports to support claim audits, compliance tracking, and operational reporting. • Process and respond to PEER Requests, ensuring required documentation and information are provided within established timeframes. • Handle the PIP Add-On Queue, accurately adding coverage, benefits, or related updates to existing PIP claims. • Coordinate and schedule Examinations Under Oath (EUO), including communication with claimants, attorneys, and internal stakeholders. • Respond to PIP-related inquiries from internal teams, providers, and external parties, escalating issues as appropriate. • Maintain compliance with Florida PIP statutes and internal claims handling guidelines. • Assist with any other administrative duties as required.

• Inspect and appraise damaged property (auto or home), either in-person or virtually, depending on assignment • Prepare detailed, itemized repair estimates using industry-standard software (e.g., CCC One, Xactimate, Mitchell) • Determine repair versus total loss thresholds and recommend next steps • Review photos, videos, and documentation submitted by claimants, repair shops, or adjusters • Collaborate with adjusters, repair facilities, and policyholders to verify losses and resolve disputes • Ensure compliance with all state regulations, company guidelines, and ethical standards • Maintain accurate records and documentation for claims handling • Stay up to date on Florida repair laws, materials pricing, and appraisal practices

• Manage and litigate Bodily Injury and some Property Damage claims, including first-party property claims, subrogation, and bad faith litigation. • Represent the company in all phases of litigation, from pre-suit investigations to trial and post-trial activities. • Develop case strategies, draft pleadings, motions, discovery, and attend depositions, mediations, hearings, and trials. • Provide expert legal advice to the claims department, management, and other internal teams. • Ensure that all actions taken during the claims process comply with applicable laws and regulations. • Advise on legal risk related to policy interpretations, claims settlements, and potential exposure. • Negotiate settlements on behalf of the company in a timely and cost-effective manner. • Participate in mediations, arbitrations, and settlement conferences. • Conduct thorough legal research on property damage, insurance laws, and regulations in Texas, including recent court decisions and statutory developments. • Prepare clear, concise, and persuasive legal documents such as briefs, memoranda, and opinions. • Stay current with changes in insurance and bodily injury/property damage laws in Texas, ensuring the company is compliant with local, state, and federal laws. • Assist in developing policies and procedures to minimize legal exposure and maximize operational efficiency. • Collaborate with the claims department, adjusters, and other legal teams to provide proactive and responsive legal support. • Communicate complex legal concepts and strategies to non-legal personnel clearly and effectively.

• Organize, develop, and mentor a team of PIP claims adjusters. • Assign and prioritize workload to ensure timely and accurate claims processing. • Conduct regular team meetings to provide updates, address concerns, and promote a collaborative work environment. • Review complex or high-value PIP claims for accuracy and compliance with company policies and state regulations. • Provide guidance and expertise to claims adjusters on challenging cases. • Monitor claims progress to ensure timely resolution and adherence to service level agreements. • Implement and maintain quality assurance processes to ensure claims accuracy and compliance. • Conduct audits and provide constructive feedback to claims adjusters for continuous improvement. • Develop and deliver training programs to enhance the skills and knowledge of claims adjusters. • Collaborate with customer service teams to address customer inquiries and concerns related to PIP claims.

• Lead commercial underwriting operations and manage underwriting staff performance. • Establish and maintain underwriting guidelines defining acceptable classes, restricted risks, and target profitable segments. • Develop and manage Florida commercial auto underwriting appetite and eligibility standards. • Review, approve, modify, or decline complex fleet and transportation risks. • Evaluate risk factors including driver quality, vehicle type, radius of operation, commodity hauled, DOT compliance, loss history, garaging territory, and financial stability. • Monitor portfolio concentration by class, territory, and fleet size to ensure balanced risk distribution. • Analyze loss trends and portfolio performance to recommend underwriting strategy adjustments. • Ensure compliance with Florida regulations and applicable state and federal transportation requirements. • Monitor underwriting KPIs, quality standards, and operational performance benchmarks. • Partner with claims, actuarial, product, and executive leadership to support profitability initiatives. • Provide coaching, technical guidance, and leadership development to underwriting staff. • Drive process improvements and operational efficiencies.