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Sr. Auto Adjuster (Non-Injury) - Phoenix Arizona
Company: USAA Location: Phoenix, Arizona
Posted On: 01/07/2025
Why USAA?Let's do something that really matters. At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members. We believe in our core values of honesty, integrity, loyalty and service. They're what guides everything we do - from how we treat our members to how we treat each other. Come be a part of what makes us so special!The OpportunityAs a dedicated Sr Auto Adjuster, you will adjust highly complex auto insurance claims presented by or against our members to include the end-to-end claims process and settling claims 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 is based in the Phoenix, AZ location. Relocation assistance is not available for this position.What you'll do: - 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:
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