Uninsured/Underinsured Claims Specialist

Date: Sep 18, 2023

Location: Indianapolis, IN, US, 46240

Company: Erie Insurance

Division or Field Office:

Indiana Branch Office

Department of Position: Claims Department 

Work from:

Salary Range:

$59,487.00 - $95,025.00 *

salary range is for this level and may vary based on actual level of role hired for

*This range represents a national range and the actual salary will depend on several factors including the scope and complexity of the role and the skills, education, training, credentials, location, and experience of an applicant, as well as level of role for which the successful candidate is hired.


At Erie Insurance, you’re not just part of a Fortune 500 company; you’re also a valued member of a diverse and inclusive team that includes more than 5,000 employees and over 2,200 independent agencies.  Our Employees work in the Home Office complex located in Erie, PA, and in our Field Offices that span 12 states and the District of Columbia. 

Benefits That Go Beyond The Basics

We strive to be Above all in Service® to our customers—and to our employees. That’s why Erie Insurance offers you an exceptional benefits package, including:

  • Premier health, prescription, dental, and vision benefits for you and your dependents. Coverage begins your first day of work.
  • Low contributions to medical and prescription premiums. We currently pay up to 97% of employees’ monthly premium costs.
  • Pension. We are one of only 13 Fortune 500 companies to offer a traditional pension plan. Full-time employees are vested after five years of service.
  • 401(k) with up to 4% contribution match. The 401(k) is offered in addition to the pension.
  • Paid time off. Paid vacation, personal days, sick days, bereavement days and parental leave.
  • Career development. Including a tuition reimbursement program for higher education and industry designations.

Additional benefits that include company-paid basic life insurance; short-and long-term disability insurance; orthodontic coverage for children and adults; adoption assistance; fertility and infertility coverage; well-being programs; paid volunteer hours for service to your community; and dollar-for-dollar matching of your charitable gifts each year.


Position Summary

Exercises independent discretion or judgment in handling uninsured motorist (UM) and/or underinsured motorist (UIM) claims. Also assists or acts on behalf of the claims supervisor when required.


  • This is a remote, work from home position in IN.

Duties and Responsibilities

Establishes contact with Policyholders and claimants, and Attorneys. Conducts  coverage investigations, liability investigations as needed and evaluates UM/UIM bodily injury claims.  Makes recommendations on coverage and UM/UIM bodily injury values.


Sets and maintains reserves within designated authority.


Obtains recorded statements from Policyholders and Claimants to address liability and coverage concerns.


Reviews and analyzes extensive medical records when evaluating UM/UIM bodily injury claims.  Negotiates settlements with Plaintiffs’ Attorneys and unrepresented Policyholders and Claimants.


Handles litigated files wherein Erie Insurance is the named defendant.  When necessary, attends depositions, arbitrations, mediations, court proceedings and trials.  Out of state travel is sometimes required.  Works closely with defense counsel during the litigation process.  Makes recommendations to the Supervisor and Home Office Examiner on how to proceed. 


Identifies subrogation opportunities and assigns claim to the Subrogation Department.


Documents claim files accordingly and submits final report for file closures.


Assists Supervisor and Home Office Examiner with the reformation of coverage process.


Stays current with case law to ensure the proper interpretation of coverage and the evaluation of UM/UIM bodily injury claims.


Assists Claims Supervisor or acts on his/her behalf when necessary.


Completes industry-related training programs and continues to attend training programs to remain informed on policy changes, interpretation or new legislation.  Assists in training of new UM/UIM Claims Adjusters.


This position description in no way states or implies that these are the only duties to be performed by the incumbent. Employees are required to follow any other job-related instruction and to perform any other duties as requested by their supervisor, or as become evident.


The first seven duties listed are the functions identified as essential to the job. Essential functions are those job duties that must be performed in order for the job to be accomplished. 


Values Diversity
Nimble Learning
Job-Specific Knowledge
Customer Focus
Cultivates Innovation
Optimizes Work Processes
Instills Trust
Ensures Accountability
Detail Orientation
Decision Quality


High school diploma or equivalent required.  Bachelor’s degree or its equivalent preferred.  Four to six years prior experience handling liability claims preferred; bodily injury preferred.  Successful completion of the Associate in Claims (AIC) program preferred.  Valid driver’s license and good driving record required.

Physical Requirements

Lifting/Moving 0-20 lbs; Occasional (<20%)
Lifting/Moving 20-50 lbs; Occasional (<20%)
Ability to move over 50 lbs using lifting aide equipment; Occasional (<20%)
Driving; Frequent (50-80%)
Pushing/Pulling/moving objects, equipment with wheels; Occasional (<20%)
Manual Keying/Data Entry/inputting information/computer use; Often (20-50%)
Climbing/accessing heights; Rarely

Nearest Major Market: Indianapolis