Senior Auto Adjuster | Complex Non-Injury Claims

USAA•San Antonio, TX

1d•$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 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, supported decisions on coverage, liability, and settlement. The adjuster evaluates and negotiates first- and third-party physical damage claims within established settlement authority, documents decisions, and manages an assigned inventory toward timely resolution while providing empathetic, proactive service to members and claimants. The position is based in San Antonio. For the first three months, the employee works onsite at the San Antonio campus for hands-on onboarding and training; after successful onboarding, the role transitions to a hybrid schedule of three days per week in the office. Relocation assistance is unavailable. The role may require mandatory on-call dates, evening, weekend, and holiday work during workload surges and catastrophe response, as well as travel or deployment with minimal notice for designated catastrophe events. New hires may be eligible for up to $8,000 in sign-on bonus payments, subject to eligibility requirements. The position offers a salary range of $57,970–$97,820, with actual pay potentially varying by location, experience, and market data. Employees may also be eligible for incentive pay based on corporate and individual performance and Board discretion. 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.
At least 3 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

4 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 using 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, and driving claims toward timely resolution.
Deliver empathetic, proactive service, communicate clearly, set expectations, and take ownership when 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.