Sr. Auto Adjuster

• Investigates and determines coverage and liability, evaluates, negotiates, and settles highly complex 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.


• 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 knowledge of Auto Physical Damage to adjust claims (files with a TL, PD limits issue, PD Lawsuit, or UMPD).


• 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.

• 9:00AM - 6:30PM Local Time

• 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 settling 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.

• Current USAA Contractor working in Complex Auto Claims


• Experience handling total loss and coverage in question