Auto Appraiser - Photo

USAA Life Insurance Company; San Antonio (TX); Hybrid; USD 58,000 - 98,000; Full time

Job summary

USAA Life Insurance Company seeks an experienced auto claims appraiser for a virtual Texas-based role. You will evaluate simple to moderately complex auto damage claims for repairable and total losses, ensuring accuracy and compliance with state laws and contract terms.

Responsibilities include investigating damages, communicating with insureds and third parties, reviewing loss facts for subrogation, and maintaining thorough documentation to support fast adjudication and superior member service.

Qualifications

• High School Diploma or General Equivalency Diploma.
• 1 year of auto appraising experience.
• Progressive knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
• Working knowledge of estimating losses using CCC or similar estimating platforms.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Responsibilities

• Evaluate and appraise auto physical damage claims using digital tools per contract and state laws.
• Investigate claim damages by communicating with insured, adjusters, and third parties.
• Review loss facts to identify subrogation opportunities and ensure documentation.
• Demonstrate knowledge of P&C products to ensure compliance.
• Review claims for fraud indicators and refer to Special Investigations Unit.
• Maintain accurate file documentation throughout the claims process.
• Support CAT deployments and after-hours as needed, including on-call dates.
• Provide policyholders with information regarding coverage and repair or total loss valuation.

Skills

P&C insurance knowledge

Auto claim appraisal

Licensing within 90 days

Education

High School Diploma or GED

Tools

CCC estimating platform

Job description

Why USAA?

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

This is a virtual based role in the Texas area. Candidates who are willing and able to work in Texas are encouraged to apply.

Within defined guidelines and framework responsible for the investigation, negotiation, evaluation, and appraisal of vehicle damage claims for both repairable and total loss vehicles to ensure estimate accuracy in compliance with state laws and regulations. Accountable for delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and empathy.

What you'll do:

• With the use of digital tools, evaluates and appraises simple and moderately complex auto physical damage claims in accordance with the terms and conditions of the contract, corporate guidelines, and state laws and regulations.
• Investigates claim damages including communicating with the insured, internal claims adjusters, and third parties/vendors.
• Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim.
• Demonstrates intermediate knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions.
• Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable.
• Maintains accurate and current file documentation throughout the claims process for moderate to complex claims.
• Maintains high standards of productivity through effective desk management, timely follow-ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claim adjudication.
• Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.
• Proactively provides policyholders with information regarding their coverage, repair estimate or total loss valuation, and claims/repair process, while setting appropriate expectations.
• 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.

What you have:

• High School Diploma or General Equivalency Diploma.
• 1 year of auto appraising experience.
• Progressive knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
• Working knowledge of estimating losses using CCC or similar estimating platforms.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart:

• Active Texas All-Lines Adjusters License.
• I-CAR ProLevel 3 (Platinum) certification or actively pursuing ProLevel 3.
• Experience as a Field Auto Appraiser with a Property & Cualty (P&C) insurance carrier.
• Experience and ability to prepare estimates and evaluations using CCC estimating platform.
• US military experience gained through military service or gained as a military spouse / domestic partner.

Compensation range:

The salary range for this position is: $57,970 - $97,820.

Compensation:

USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as