Auto Appraiser (Photo)

usaa; United States; A distancia; USD 65.000 - 90.000; Jornada completa

Descripción de la vacante

USAA is seeking an Auto Appraiser for a remote role serving the United States, including the Washington, DC metro area. You will assess auto physical damage claims, communicate with insureds and third parties, and ensure accurate estimates in compliance with policy terms and laws.

The role requires knowledge of CCC estimating platforms, strong attention to detail, and the ability to handle moderate to complex claims. Some travel or on-call support may be required based on business needs.

Formación

• Proficiency in auto physical damage appraisal processes.
• Knowledge of state regulations and policy terms.
• Ability to communicate effectively with insured and vendors.

Responsabilidades

• Evaluate and appraise auto physical damage claims using digital tools.
• Investigate damages and communicate with insured and third parties.
• Review loss details to identify subrogation opportunities.
• Maintain accurate claim files and documentation.
• Provide policyholders with coverage, estimates, and process explanations.
• Support CAT operations as needed.

Conocimientos

Auto claims knowledge

CCC estimating platform

Communication skills

Detail-oriented

Educación

Insurance adjuster license within 90 days

Herramientas

CCC estimating platform

Descripción del empleo

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

As a dedicated Auto Appraiser, you will work 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.

This is a remote role in the Washington, Metro, VA area. Candidates who are willing and able to work in Washington, Metro, VA area are encouraged to apply. Relocation assistance is not available for this position.

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. May require face-to-face interactions with members and third parties.
• 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 claim 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.
• Experience as a Field Auto Appraiser with a Property & Casualty (P&C) insurance carrier.
• Experience and ability to prepare estimates and evaluations using CCC estimating platform.
• Experience and ability to balance between writing accurate collision repair estimates in a Virtual & Field environment.
• Experience completing estimates on exotic and electric vehicles.
• Completed designations such as I-CAR Platinum or ASE.

Physical Demand Requirements:

• May require the ability to operate a company vehicle within assigned territory.
• May require the ability to reach, handle, squat, bend, climb, and keen as needed to complete inspections of damaged vehicles.
• May require the ability to work outdoors in inclement weather conditions; May be exposed to working in body shop and/or salvage yard environments.
• May be required to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver's license.

Compensation range:

The salary range for this position is: $68