Auto Physical Damage Claims Adjuster

Reserv

1d • Remote

About The Position

The APD Adjuster investigates and settles physical damage claims arising from rental vehicle accidents, including damage to rental vehicles, third-party vehicles, and property. The role determines coverage, liability, and value, and aims to close each file quickly, fairly, and with clear documentation.

The position involves managing claims from first notice of loss through closure, reviewing coverage and rental program terms, evaluating vehicle damage, negotiating settlements, and handling related expenses and recovery opportunities. The role also requires timely, accurate file documentation and compliance with state regulations, client instructions, and service standards.

This is a 100% remote, home-based role. The company describes its remote-first culture as focused on empathy, transparency, and empowerment, and says it aims to reduce administrative work and improve longstanding challenges in the adjuster role.

Requirements

• 3–5 years of auto physical damage or commercial auto claims experience.
• Working knowledge of vehicle repair, estimating, and total loss valuation.
• Strong negotiation, written communication, and time-management skills.
• Comfort managing a high-volume, deadline-driven caseload and using a claims system such as Glance or similar.
• High school diploma.
• Active adjuster license: a resident-state license where available, or otherwise a Designated Home State (DHS) license.
• Willingness to obtain any additional required licenses within 60 days, including completing state testing.

Nice To Haves

• Bachelor’s degree.
• Progress toward an AIC or CPCU designation.

Responsibilities

• Open, investigate, and manage a caseload of auto physical damage claims from first notice of loss through closure.
• Conduct detailed coverage analysis, risk shifting, and policy investigation.
• Review rental agreements and program terms to confirm coverage, exclusions, and deductibles.
• Contact renters, claimants, body shops, and appraisers within required timeframes; obtain recorded or written statements.
• Evaluate vehicle damage using estimates, photos, and appraisals; negotiate repair and total loss settlements.
• Determine liability and apportion fault using police reports, statements, and physical evidence.
• Handle loss of use, towing, storage, diminished value, and related expense claims.
• Identify subrogation and recovery opportunities and refer them with complete supporting documentation.
• Flag potential fraud, injury exposure, or litigation risk and escalate it to the appropriate adjuster or lead.
• Maintain timely, accurate file notes and reserves and meet carrier and program service standards.
• Follow state regulations and client handling instructions on every file.

Benefits

• Health-insurance package with nationwide coverage.
• Vision and dental coverage.
• 401(k) retirement plan with employer matching.
• Competitive PTO policy.
• Family leave policy after 8 months of continuous work.
• 100% remote, home-based role.
• Apple laptop, large second monitor, and other quality-of-life equipment the employee may want.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED