Inside Sr. Auto Adjuster - CAT Team

USAA • San Antonio, TX

8d • Hybrid

About The Position

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Sr. Auto Adjuster, you will work within defined guidelines and framework, responsible to adjust highly complex auto insurance claims presented by or against our members to include the end-to-end claims process and settling claims in compliance with state laws and regulations. You will be accountable for delivering best in class service, through setting appropriate expectations, proactive communications, advice, and empathy. USAA's Catastrophe Team 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-2-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. We are excited to have another career path within Auto that allows you to grow in your adjusting experience while serving members impacted by a Catastrophe. This hybrid role requires an individual to be in the office 3 days per week . This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO. 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.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
• 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.
• 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 in an auto adjuster complex role
• Claim file ownership
• Prior Voluntary Catastrophe Team (VCT) or CAT deployment experience.
• Available to work overtime and/or internal CAT duty hours as needed.

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) 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.

Benefits

• At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness.
• These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs.
• Additionally, our career path planning and continuing education assists employees with their professional goals.
• For more details on our outstanding benefits, visit our benefits page on USAAjobs.com

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 5,001-10,000 employees