Auto Insurance Claims Adjuster

4 days ago

Phoenix, Arizona, United States USAA Full time
About USAA

At USAA, we have a mission to facilitate the financial security of millions of U.S. military members and their families. We believe in our core values of honesty, integrity, loyalty, and service, which guide everything we do from how we treat our members to how we treat each other.

The Opportunity

We are seeking a dedicated Sr. Auto Adjuster to join our team. As a Sr. Auto Adjuster, you will be responsible for adjusting highly complex auto insurance claims, including determining coverage and liability, evaluating and negotiating settlements, and ensuring compliance with state laws and regulations.

Key Responsibilities:
  • Investigate and determine coverage and liability for auto claims, including comprehensive, collision, and property damage liability claims.
  • Negotiate liability for comparative negligence claims.
  • Identify coverage concerns and create Special Investigation Unit (SIU) referrals when appropriate.
  • Interact with multiple parties to gather information and determine liability 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.
  • 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.
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 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. The actual salary for this role may vary by location. The salary range for this position is: $51,840 - $87,480. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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. Additionally, our career path planning and continuing education assists employees with their professional goals.

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