Virtual Triage Obvious Total Loss Adjuster

Allstate • McCullom Lake, IL

1d • Remote

About The Position

The Virtual Triage Obvious Total Loss Adjuster is responsible for delivering exceptional customer service to individuals whose vehicles require repair. This role conducts virtual inspections of vehicle damage—including automobiles, motorcycles, ATVs, and RVs—prepares repair estimates, completes total loss valuations, and negotiates moderately complex (and occasionally more complex) settlements with repair facilities, tow yards, and customers. The adjuster accurately estimates repair times related to rental or loss‑of‑use needs. This position operates independently, managing and prioritizing its own workload while clearly explaining coverage, estimates, claim processes, settlements, and rental procedures to both agents and customers. The role involves living into Allstate’s Claims Culture by caring, empowering, and restoring, being compassionate, clear, and a committed partner in each Casualty claim, leading with empathy. It also involves confidently and independently investigating casualty (and applicable LOB) claims by performing detailed reviews of damage and interpreting policies to determine coverage. The Effective Communicator aspect means using phone, emails and sometimes even video chat with customers to help them through a fast, fair, and easy claims process, and incorporating a specific approach to claim handling to offer the customer their preference of communication to efficiently discuss their claim needs and keep them updated on the claim progress. As a Negotiator, the adjuster will evaluate and negotiate claims settlements with customers, vendors, third party carriers and claimants, in accordance with all legal and business standard methodologies, incorporating tactics in handling challenging and complex situations. The Problem Solver will utilize multiple tools to get the job done in a fast-paced environment, including estimate tools, job aids, and additional settlement platforms, all while using sharp critical thinking skills. Finally, as a Recorder, the adjuster will ensure claims are documented accurately and in line with policy agreements, maintaining clear, timely records in the claims system.

Requirements

• A dedicated workspace in your residence that is private and free from distractions
• A minimum internet bandwidth of 50 MB down/5 MB up
• Appropriate work surface and seating
• May be expected to obtain an adjuster’s license as a condition of employment
• All required licenses will need to be obtained within 60 days of hire
• Must maintain all licensing required for your role, including any continuing education and/or other state-affiliated requirements for licensing renewal
• The candidate(s) offered this position will be required to submit to a background investigation

Nice To Haves

• 18 months or more experience writing Auto collision estimates
• Prior experience using an auto estimating program such as: CCC One / Mitchel
• Active appraiser license or active adjuster license in TX, FL, or your resident state (eligible for sign-on bonus)

Responsibilities

• Deliver exceptional customer service to individuals whose vehicles require repair
• Conduct virtual inspections of vehicle damage—including automobiles, motorcycles, ATVs, and RVs
• Prepare repair estimates
• Complete total loss valuations
• Negotiate moderately complex (and occasionally more complex) settlements with repair facilities, tow yards, and customers
• Accurately estimate repair times related to rental or loss‑of‑use needs
• Operate independently, managing and prioritizing own workload
• Clearly explain coverage, estimates, claim processes, settlements, and rental procedures to both agents and customers
• Live into Allstate’s Claims Culture by caring, empowering, and restoring, being compassionate, clear, and a committed partner in each Casualty claim
• Lead with empathy, always
• Confidently and independently investigate casualty (and applicable LOB (line of business)) claims by performing detailed reviews of damage and interpreting policies to determine coverage
• Use phone, emails and sometimes even video chat with customers to help them through a fast, fair, and easy claims process
• Incorporate a specific approach to claim handling to offer the customer their preference of communication to efficiently discuss their claim needs and keep them updated on the claim progress
• Evaluate and negotiate claims settlements with customers, vendors, third party carriers and claimants, in accordance with all legal and business standard methodologies
• Incorporate tactics in handling challenging and complex situations during negotiations
• Utilize multiple tools to get the job done in a fast-paced environment, including estimate tools, job aids, and additional settlement platforms, all while using sharp critical thinking skills
• Ensure claims are documented accurately and in line with policy agreements
• Maintain clear, timely records in the claims system
• Summarize documents and enter into claim system notes
• Document a claim file with notes, evaluations, and decision-making process
• May work the Triage Tool and partner with the Good Hands Repair Network for vehicles that may be potential total losses, and determine reparability and if repairs can be settled rapidly
• Investigate moderately complex or occasionally complex files, review damage, take photos, and determine reparability or total loss
• Prepare damage estimates or valuation for moderately complex or occasionally complex claims and locate parts
• Evaluate diminished value in a moderately complex or occasionally complex claim
• Triage moderately complex and occasionally complex total loss claims
• Initiate payments (QCP, Fast Mobile Epay, etc.) and pay appropriate parties
• Negotiate and settle moderately complex and occasionally complex claims in accordance with business unit best practices
• Respond to moderately complex and occasionally complex arbitrations contentions
• Obtain all required adjuster licenses within 60 days of hire
• Maintain all licensing required for your role, including any continuing education and/or other state-affiliated requirements for licensing renewal

Benefits

• Competitive salary based on experience and qualifications
• Medical, dental, and vision coverage
• Allstate pension plan
• 401(k) savings plan
• Ayco financial coaching
• Spring Health mental and emotional wellbeing resources
• Paid parental leave
• Adoption reimbursement
• Paid time off
• Tuition reimbursement
• Wellness incentives
• A technology bundle that includes all equipment needed to perform your work from home (laptop, monitors, headset, keyboard, mouse)
• Connectivity reimbursement of $80 per month
• Sign on bonus of $1,000 (for eligible candidates)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed