USAA is dedicated to empowering its members to achieve financial security and is seeking an Auto Adjuster to manage the complete end-to-end claims process for auto insurance. The role involves investigating claims, negotiating settlements, and ensuring compliance with state laws while providing exceptional service to members and business partners.
Responsibilities
- Investigates liability and applies appropriate coverage, evaluates, negotiates, and settles moderately 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 needed to determine liability (police reports, recorded statements, witness statements)
- 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
Skills
- 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
- Demonstrated negotiation, investigation, communication, and conflict resolution skills
- Proficient in prioritizing and multi-tasking, including navigating through multiple business applications
- Successful completion of a job-related assessment may be required
- 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
- Proven experience with comparative negligence and shared liability determinations
- 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
- Bachelor's degree or industry designation (e.g., AIC, CPCU)
- Military experience through service or as a military spouse
Benefits
- 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
- Various wellness programs
- Career path planning and continuing education
Company Overview
USAA is a financial services company. It was founded in 1922, and is headquartered in San Antonio, Texas, USA, with a workforce of 10001+ employees. Its website is https://www.usaa.com.
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