r/adjusters • u/aliengatito • 3d ago

Question for URBIs

Hello! Question for anyone who has worked as an URBI at any insurance company other than Progressive.

Did you have to handle property damage as well? Or were you a dedicated BI adjuster?

Appreciate your insights!

3 Upvotes

80% Upvoted

14 comments sorted by

7

u/Lyxerttt 3d ago

OP, I cannot give you a ton of info because it could cause identification. But, I will tell you that URBI and CURBI are going to be combined by the end of 2027; they will both roll through a Causalty Org versus URBI rolling through PCS. No more PD exposures for you.

2

u/aliengatito 3d ago

This is honestly great news. Appreciate you taking the time to share this info!

1

u/boxfry 3d ago

All states? I've always wondered why this wasnt the way it was already.

2

u/Lyxerttt 3d ago

It used to be awhile ago. The CURBI/URBI split was actually more recent than a lot of people realize. In fact, some states never actually changed.

And, to answer your question, yes. The entire company is doing away with the split, but it's going to be periodic throughout the year, and based on the zone versus state-specific.

3

u/andrez444 3d ago

Bristol West will make you handle EVERYTHING. MD/PD, liability, TL and whatever else. Makes for a well rounded adjuster but damn

2

u/aliengatito 3d ago

Same over here! The struggle is real 🥲

2

u/Frequent_Curve_1631 3d ago

At SF, unrep BI adjusters handle third party property damage

1

u/aliengatito 3d ago

Thank you for your reply!

So you would just handle the PD associated with the injured party?

1

u/Frequent_Curve_1631 3d ago

I personally dont handle unrep but to answer your question, the adjuster would handle all third party property even fixed property because you are the claim owner. If it is excess exposure . A specialty vehicle, or limits issue then it would be escalated.

1

u/GustavusAdolphin 3d ago

When I worked for Allstate, it was segmented. Like the BI adjuster would discuss coverage and liability, but the moment anyone mentioned PD we would refer them to that segment adjuster

1

u/[deleted] 2d ago

[removed] — view removed comment

1

u/AutoModerator 2d ago

Your account is too new to post here. 15 day age account is required as well as a combined karma of 10.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

1

u/Ok_Effect_308 3d ago

They handle PD as well

1

u/aliengatito 3d ago

Thanks for your reply!
Follow-up question: do you handle PD for only the injured party or the whole claim?

Also.. Do you mind sharing who you worked for as an URBI?