Medical Claims Adjuster

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. As a dedicated Auto Adjuster you will manage file ownership including investigation, taking statements, reviewing policy and coverages, determination of liability, setting and managing services throughout life of the claim while providing excellent service.

Within defined guidelines and framework, you are responsible to adjust moderately complex auto insurance claims presented by or against our members to include the end-to-end claims process and settling claims in compliance with state laws and regulations. We offer a flexible work environment that requires an individual to be in the office 3 days per week, after completing 6 months in office. Relocation assistance is not available for this position.

Investigates liability and applies appropriate coverage, evaluates, negotiates, and settles moderately complex auto claims.
Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate.
Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.
Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions
Collaborates and sets expectations with external and internal business partners to facilitate claims resolution.
Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.
Applies developing knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures.
Applies intermediate knowledge of Auto Physical Damage to adjust claims.
Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
May be assigned CAT deployment travel with minimal notice during designated CATs.
Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

High School Diploma or General Equivalency Diploma.
~1 year of customer service experience.
~ Progressive experience handling low complexity auto non injury liability claims.
~ Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
~ Developing knowledge and understanding of auto claims contracts as well as application of case law and state laws and regulations.
~ Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
~ One or more years of auto liability claims experience managing claims from initial contact through resolution
Minimum one year of experience managing a pending inventory with demonstrated organization and prioritization skills
At least two years of customer service experience, demonstrating strong communication and problem-solving skills
Strong analytical and communication skills with the ability to interpret policy language, assess coverages, and make sound decisions
Proficiency with Guidewire or similar claims management systems
Bachelors degree or industry designation (e.g., Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.