Senior Auto Adjuster | Complex Non-Injury Claims

USAA•Phoenix Metro, AZ

4d•Hybrid

About The Position

USAA is hiring a Senior Auto Adjuster to manage complex, non-injury auto claims from initial investigation through resolution. The role handles multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total losses. It investigates and evaluates claims using policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions. This is a work-at-home opportunity for residents of Texas, Nevada, Washington, Oregon, and Arizona. Employees who reside within 60 miles of a USAA office are expected to work onsite three days per week. Relocation assistance is not available. The role may require support for workload surges and catastrophe operations, including mandatory on-call dates, evening, weekend, and holiday work outside normal business hours, as well as travel or deployment with minimal notice during designated catastrophe events. The position offers competitive compensation, benefits, an annual incentive program, a company-sponsored pension plan, and career development opportunities. The salary range is $57,970–$97,820, with actual pay varying by location, experience, and market data. Employees may also be eligible for performance-based incentives. USAA does not provide visa sponsorship for this role.

Requirements

High school diploma or General Equivalency Diploma (GED).
Experience handling auto physical damage claims, including repair-related claim decisions and settlements.
Three years of recent auto claims adjusting experience, including auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
Experience independently managing an assigned auto claims inventory from investigation through resolution.
Acquire and maintain required insurance adjuster licensing within 90 days and three attempts.
Successful completion of a job-related assessment may be required.

Nice To Haves

Four years of recent auto claims adjusting experience, including auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
Total loss experience, including vehicle valuation and settlement negotiation.
Experience mentoring, coaching, or serving as a technical resource to other claims professionals.
Active adjuster's license or multiple state adjuster licenses.
Guidewire ClaimCenter experience.
Bachelor's degree.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage complex auto claims from initial investigation through resolution, including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss.
Investigate and evaluate claims by analyzing policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions.
Evaluate and negotiate first- and third-party physical damage claims within established settlement authority.
Use Guidewire ClaimCenter, investigation resources, digital collaboration tools, and data-informed insights to document decisions and advance claims efficiently.
Proactively manage an assigned claims inventory by prioritizing work, anticipating next steps, maintaining documentation discipline, and driving each claim toward timely resolution.
Deliver exceptional service through empathy, proactive communication, clear expectations, and ownership while navigating difficult claim situations.
Collaborate with managers, appraisers, technical resources, and business partners to resolve complex issues and create a seamless experience for members and claimants.
Support workload surges and catastrophe-response operations as needed, including mandatory on-call dates and potential evening, weekend, and holiday work outside normal business hours.
Travel or deploy with minimal notice during designated catastrophe events.
Perform additional duties based on business needs.