Senior Auto Claims Adjuster

2 days ago


CO United States USAA Full time
About USAA

USAA is a leading provider of financial services to U.S. military members and their families. Our mission is to facilitate the financial security of our members, and we're committed to delivering exceptional service and support.

The Opportunity

We're seeking a highly skilled and experienced Senior Auto Claims Adjuster to join our team. As a key member of our claims team, you'll be responsible for adjusting complex auto insurance claims, ensuring that our members receive fair and timely resolutions. Your expertise will be essential in navigating the claims process, from investigation to settlement, and ensuring compliance with state laws and regulations.

This is a challenging and rewarding role that requires strong analytical and problem-solving skills, as well as excellent communication and negotiation abilities. You'll work closely with our members, external partners, and internal stakeholders to resolve claims efficiently and effectively.

Key Responsibilities
  • Investigate and determine coverage and liability for complex auto claims, including comprehensive, collision, and property damage liability claims.
  • Negotiate liability for comparative negligence and uninsured motorist property damage claims.
  • Identify coverage concerns, review prior loss history, and create Special Investigation Unit (SIU) referrals when necessary.
  • Interact with multiple parties to gather information, determine liability, and analyze information 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.
  • Resolve claims through proactive problem-solving and decision-making, within authority guidelines and under moderate supervision.
  • 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.
  • Apply knowledge of Auto Physical Damage to adjust claims, including 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.
Requirements
  • 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.
Preferred Qualifications
  • 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

USAA offers a competitive salary range of $53,440 - $90,180, based on experience and market data. Our employees enjoy best-in-class benefits, including comprehensive medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays, and various wellness programs. We also offer career path planning and continuing education to support your professional growth.

USAA is an Equal Opportunity Employer and welcomes applications from qualified candidates without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.



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