Complex Auto Claims Adjuster

7 days ago


Colorado Springs, Colorado, United States USAA Full time
Why Choose USAA?

We're a mission-driven organization committed to facilitating the financial security of millions of U.S. military members and their families.

Our core values of honesty, integrity, loyalty, and service guide everything we do – from how we treat our members to how we treat each other.

The Opportunity

As a dedicated Sr. Auto Adjuster, you will adjust highly 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.

You will be accountable for delivering best-in-class service through setting appropriate expectations, proactive communications, advice, and empathy.

This position requires an individual to be in the office 3 days per week, after completing 6 months in office. The Colorado Springs, CO location is where this position is based. Relocation assistance is not available for this position.

Job Responsibilities:
  • Investigate and determine coverage and liability, evaluates, negotiates, and settles highly complex auto claims such as comprehensive (i.e., theft and fire), collision (i.e., minimal policy limits, coverage determinations/issues, attorney representation, non-owned vehicles, mechanical breakdown, property damage lawsuits) property damage liability, uninsured motorist property damage, and rental vehicle coverages for repairable vehicles and total losses.
  • Negotiate liability for comparative negligence (claimant or adverse carrier).
  • Identify coverage concerns, reviews prior loss history, determine and create Special Investigation Unit (SIU) referrals, when appropriate.
  • Interact with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability and analyze information obtained to establish compliance for regulatory requirements and settlement value.
  • Evaluate and negotiate settlement of automobile first and third-party physical damage claims within established settlement authority limits and negotiate any excessive storage charges.
  • Resolve claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.
  • Clearly document thought process including damage evaluation, investigation, negotiation, and settlement decisions.
  • Collaborate and set expectations with external and internal business partners to facilitate claims resolution through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.
  • Apply knowledge of Auto Physical Damage to adjust claims (files with a TL, PD limits issue, PD Lawsuit, or UMPD).
  • Support 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.
  • Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
  • Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What You'll Need:
  • High School Diploma or General Equivalency Diploma.
  • 2 years of customer service experience.
  • 1 year of experience handling low to moderately complex auto non injury liability claims.
  • Experience determining auto liability coverage.
  • Proficient knowledge and understanding of the auto claims contract as well as application of case law and state laws and regulations.
  • Demonstrated negotiation, investigation, communication, and conflict resolution skills.
  • Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
  • Ability to organize, analyze, and effectively determine risk and appropriate response.
  • Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
What Sets You Apart:
  • US military experience through military service or a military spouse/domestic partner.
  • Bachelor's degree.
  • Active Adjuster's License.
  • 1-2 years recent multi-vehicle claims liability experience.
  • Guidewire Claims Center experience.
  • Contract Interpretation: Liability & Physical Damage Coverage (Part A & D) and Uninsured/Underinsured Motorists Property Damage (Part C).
  • Dispute resolution experience: Liability Investigation/Comparative Negligence, Unrelated Prior Vehicle Damages, Total Loss Valuation/Negotiation, Non-Owned Vehicles/Rideshare/Permissive Driver, Exceeding Coverage Limits.
  • Arbitration/Subrogation knowledge.
  • 1-2 years total loss handling experience.
What We Offer:

Compensation: With competitive pay ranges based on market data, your salary will be determined by your experience and qualifications. This position has a salary range of $53,440 - $90,180. Pay incentives are available based on overall corporate and individual performance.

Benefits: Our comprehensive benefits package includes 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 wellness programs. We also offer career path planning and continuing education to support your professional growth.



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