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USAA · 1 day ago

Senior Auto Adjuster – Complex Non-Injury

Tampa, FL

Full-time

Hybrid

Mid, Senior Level

$55K/yr - $92K/yr

3+ years exp

USAA is dedicated to empowering its members to achieve financial security through exceptional service and trusted advice. The Senior Auto Adjuster will be responsible for adjusting highly complex auto insurance claims, ensuring compliance with state laws, and delivering best-in-class service through proactive communication and problem-solving.

BankingFinancial ServicesInsuranceVenture Capital

No H1B

Responsibilities

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

Qualification

Auto claims handlingInvestigation skillsNegotiation skillsInsurance adjuster licenseP&C insurance knowledgeAnalytical skillsCustomer service experienceMulti-tasking skillsConflict resolution skillsCommunication skillsProblem-solving skillsOrganizational skills

Required

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

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

Preferred

1 to 2 years recent multi-vehicle claims liability to include comparative negligence

Contract Interpretation experience: Liability & Physical Damage Coverage and Uninsured/Underinsured Motorists Property Damage

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

Guidewire Claims Center experience

Bachelor's degree

Active Adjuster's License

US military experience through military service or a military spouse/domestic partner