Claims Auto Adjuster (Mid-Level) - Non-Injury

USAA•San Antonio, TX

2d•Hybrid

About The Position

USAA is hiring a mid-level Claims Auto Adjuster to help members navigate moderately complex, non-injury auto claims from investigation through resolution. The adjuster reviews coverage, determines liability, evaluates damages, negotiates settlements, and coordinates with internal and external partners. The role emphasizes exceptional, empathetic service through clear expectations, explanations of decisions, and thorough documentation. The position is based in San Antonio, Texas. Employees work onsite five days per week during their first six months, then transition to a hybrid schedule with three days per week in the office. Relocation assistance is not available. The role may involve catastrophe-response operations, mandatory on-call dates, evening, weekend, or holiday work outside normal hours, and travel for catastrophe deployment with minimal notice. The adjuster may also handle higher-complexity claims and other work as needed.

Requirements

High school diploma or General Equivalency Diploma.
At least 1 year of customer service experience.
Progressive experience handling low-complexity, non-injury auto liability claims.
Obtain and maintain an insurance adjuster license within 90 days, with up to 3 attempts.
Developing knowledge and understanding of auto claims contracts and the application of case law and state laws and regulations.
Demonstrated negotiation, investigation, communication, and conflict-resolution skills.
Ability to prioritize and multitask, including navigating multiple business applications.
Successful completion of a job-related assessment may be required.

Nice To Haves

One or more years of auto liability claims experience managing claims from initial contact through resolution.
One year of experience managing a pending inventory, with demonstrated organization and prioritization skills.
Proven experience with comparative negligence and shared-liability determinations.
Strong analytical and communication skills, including the ability to interpret policy language, assess coverages, and make sound decisions.
Proficiency with Guidewire or similar claims management systems.
Bachelor’s degree or an industry designation such as AIC or CPCU.
US military experience gained through military service or as a military spouse or domestic partner.

Responsibilities

Investigate liability and apply appropriate coverage while evaluating, negotiating, and settling moderately complex auto claims.
Negotiate liability involving comparative negligence, including claimant or adverse-carrier liability.
Identify coverage concerns, review prior loss history, and determine whether to create Special Investigation Unit referrals.
Gather information from multiple parties, including police reports, recorded statements, and witness statements, to determine liability.
Resolve claims through proactive problem-solving and decision-making within authority guidelines and under moderate supervision; prioritize workload and overcome obstacles.
Document the reasoning behind damage evaluations, investigations, negotiations, and settlement decisions.
Collaborate with internal and external business partners and set expectations to facilitate claim resolution.
Support members, business partners, and claimants through multiple communication channels, including digital tools, to achieve timely and effective resolutions.
Apply developing knowledge of property and casualty insurance products, policy contracts, coverages, and internal claims processes and procedures.
Apply intermediate Auto Physical Damage knowledge to adjust claims.
Support workload surges and catastrophe-response operations as needed, including mandatory on-call dates and possible work outside normal hours.
Travel for catastrophe deployment when assigned, potentially with minimal notice.
Handle various claim types, including higher-complexity claims, and perform additional work outside normal duties as needed.
Identify, measure, monitor, and control risks associated with business activities in accordance with risk and compliance policies and procedures.