Senior Auto Adjuster | Complex Non-Injury Claims

USAA•San Antonio, TX

3d•$57,970 - $97,820•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 matters including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss. The adjuster analyzes policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions, and evaluates and negotiates first- and third-party physical damage claims within established settlement authority. The position uses Guidewire ClaimCenter, investigation resources, digital collaboration tools, and data-informed insights to document decisions and advance claims efficiently. The adjuster manages an assigned inventory, prioritizes work, communicates proactively with members and claimants, and collaborates with managers, appraisers, technical resources, and business partners. Workload surges and catastrophe response may require mandatory on-call dates, evening, weekend, or holiday work, and travel or deployment with minimal notice. The position is based in San Antonio. The first three months are onsite at the San Antonio campus for onboarding and training. After successful onboarding, the role transitions to a hybrid schedule requiring three days per week in the office. Relocation assistance is not available. The salary range is $57,970–$97,820, and eligible new hires may receive up to $8,000 in sign-on bonus payments, subject to eligibility requirements.

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 Claim Center 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.
Manage an assigned claims inventory by prioritizing work, anticipating next steps, maintaining documentation, and driving claims toward timely resolution.
Provide empathetic service, 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 support 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.