Auto Physical Damage Adjuster - Rental Vehicle Claims

Reserv; United States; Remote; USD 70,000 - 95,000; Full time

Benefits offered by this job

Remote work

Home office setup

Job summary

Reserv is seeking an APD Adjuster to investigate, settle and manage auto damage claims from first notice to closure in a remote-enabled role across the United States. You will determine coverage, liability and value while maintaining clear documentation and customer focus.

You will handle loss of use, towing, storage and related expenses, and negotiate repairs or total losses with renters, claimants and body shops. A state license and ongoing licenses are required or pursued within 60 days.

Qualifications

• Minimum 3–5 years auto physical damage or commercial auto claims experience.
• Knowledge of vehicle repair, estimating and total loss valuation.
• Ability to negotiate and communicate in writing with stakeholders.
• Experience with high-volume, deadline-driven claims workloads and a claims system.

Responsibilities

• Open, investigate and manage a caseload from first notice to closure.
• Perform detailed coverage analysis and liability assessment.
• Review rental agreements to confirm coverage and deductibles.
• Contact renters, claimants, shops and appraisers within timeframes.
• Evaluate damage with estimates, photos and appraisals; negotiate settlements.
• Identify subrogation opportunities and document them thoroughly.
• Flag fraud or litigation risk and escalate as needed.
• Maintain accurate notes and reserves; comply with standards.

Skills

Negotiation

Written communication

Time management

Auto claims knowledge

Customer handling

Education

High school diploma

Bachelor's or CPCU progress

Tools

Glance or similar

Job description

About the role

The APD Adjuster investigates and settles physical damage claims arising from rental vehicle accidents, including damage to the rental unit, third-party vehicles, and property. You determine coverage, liability and value, then close each file quickly, fairly and with clear documentation.

Who you are

• Excited about building a tech-driven claims organization
• Passionate about the customer experience
• You're empathetic and patient with everyone you interact with
• Driven by a sense of urgency (without working around the clock)
• Creative in finding the right resolution that serves the insured's best interest
• You're comfortable with conflict-see it as conversational, not adversarial
• Curious about the whole story so you can make the right decisions early
• Anti-status quo-you don't just wish things were different, you make them different
• A strong communicator
• You have a sense of humor (claims are hard enough as it is!)

What you'll do

• Open, investigate and manage a caseload of APD claims from first notice of loss to closure.
• Detailed coverage analysis, risk shifting, and policy investigation.
• Review rental agreements and program terms to confirm coverage, exclusions and deductibles.
• Contact renters, claimants, body shops and appraisers within required timeframes; take recorded or written statements.
• Evaluate damage through estimates, photos and appraisals; negotiate repair and total loss settlements.
• Determine liability and apportion fault using police reports, statements and physical evidence.
• Handle loss of use, towing, storage, diminished value and related expense claims.
• Identify subrogation and recovery opportunities and refer them with complete supporting documents.
• Flag potential fraud, injury exposure or litigation risk and elevate to the right adjuster or lead.
• Keep timely, accurate file notes and reserves; meet carrier and program service standards.
• Follow state regulations and client handling instructions on every file.

Qualifications

• 3-5 years of auto physical damage or commercial auto claims experience.
• Working knowledge of vehicle repair, estimating and total loss valuation.
• Strong negotiation, written communication and time-management skills.
• Comfort with a high-volume, deadline-driven caseload and a claims system such as Glance or similar.
• High school diploma required; bachelor's degree or AIC/CPCU progress preferred.
• Active adjuster license: resident-state license where available, otherwise a Designated Home State (DHS) license. Willing to obtain any additional required licenses within 60 days, including state testing.

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy - we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• 100% remote (home-based) role designed to support your work-life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Additionally, we will

Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role

Work toward reducing and eliminating all the administrative work from an adjuster role

Foster a culture of empathy, transparency, and empowerment in a remote-first environment

At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!

About Reserv

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike. We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you!

Location Requirement

Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.