Inside Senior Auto Adjuster - CAT Claims

USAA•Colorado Springs, CO

2d•Hybrid

About The Position

USAA is seeking experienced Auto Adjusters to join the Inside Dedicated Auto Catastrophe Team (ACT). In this desk role, you will handle repairable and total loss claims for catastrophe designated and/or weather surge events. ACT adjusters will operate in a file ownership environment, being accountable for the entire member end-to-end claim experience. This team will also work closely with the APD CAT team and Paintless Dent Repair (PDR) providers for a consistent, seamless end-to-end claim experience. This desk-based role requires an individual to be in the office 3 days per week, with the first 6 months requiring 5 days a week in the office. This position is based in the Colorado Springs, CO, Phoenix, AZ or San Antonio, TX office location. Relocation assistance is not available for this position.

Requirements

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.
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
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.

Nice To Haves

Experience adjusting auto total loss and liability claims.
Experience working in Guidewire and CCC estimating software.
Claim file ownership, end to end claim experience
Experience on a Voluntary Catastrophe Team (VCT) or CAT deployment.
Currently hold an active insurance adjuster license.
Available to work overtime and/or internal CAT duty hours as needed.
Currently reside in Colorado Springs, Phoenix or San Antonio
US military experience through military service or as a military spouse/domestic partner

Responsibilities

Investigates to determine coverage, liability, and physical damage including total loss settlements for highly complex auto claims.
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) to 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 proficient knowledge of Auto Physical Damage to adjust claims.
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.