USAA

Senior Auto Claims Adjuster

USAA

full-time

Posted on:

Origin:  • 🇺🇸 United States • Florida

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Salary

💰 $54,550 - $92,060 per year

Job Level

Senior

Tech Stack

Guidewire

About the role

  • Adjust highly complex auto insurance claims end-to-end in compliance with state laws and regulations
  • Accountable for delivering best in class service, through setting appropriate expectations, proactive communications, advice, and empathy
  • 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
  • This position will be based in our Tampa Florida Campus locations
  • Relocation assistance is not available for this position
  • Tasks: Investigates to determine coverage, liability, and physical damage including total loss settlements for highly complex auto claims
  • Negotiates liability for comparative negligence (claimant or adverse carrier)
  • Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate
  • Interacts with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability
  • Analyzes information obtained to establish compliance for regulatory requirements and settlement value
  • Evaluates and negotiates settlement of automobile first and third-party physical damage claims within established settlement authority limits and negotiates any excessive storage charges
  • 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 proficient knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures
  • May serve as an informal resource for team members
  • Applies proficient 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

Requirements

  • Minimum Education: High School Diploma or General Equivalency Diploma
  • Minimum Experience: 2 years of customer service experience
  • 1 year of experience handling low to moderately complex auto non injury liability claims
  • Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
  • 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
  • Successful completion of a job-related assessment may be required