Sr. Auto Adjuster (Non-Injury)

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 is based in the Phoenix, AZ location. Relocation assistance is not available for this position.

• Investigate and determine coverage and liability, evaluates, negotiates, and settles auto claims such as comprehensive (i.e., theft and fire), collision (i.e., minimal policy limits, coverage determinations/issues, attorney representation, non-owned vehicles, mechanical breakdown, property damage lawsuits) property damage liability, uninsured motorist property damage, and rental vehicle coverages for repairable vehicles and total losses.


• Negotiate liability for comparative negligence (claimant or adverse carrier).


• Identify coverage concerns, reviews prior loss history, determine and create Special Investigation Unit (SIU) referrals, when appropriate.


• Interacts with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability and analyze information obtained 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 and negotiate any excessive storage charges.


• Resolve claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.


• 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 to include utilization of digital tools to drive timely and effective resolutions through exceptional service.


• Apply knowledge of Auto Physical Damage to adjust claims (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.


• Work various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.


• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• 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.

What sets you apart:

• 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:

Compensation: 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.

Benefits: 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.

For more details on our outstanding benefits, please visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic.