Auto Total Loss Adjuster

United Auto Insurance Agency, Inc.; Miami (FL); Remote; USD 55,000 - 85,000; Full time

Benefits offered by this job

401(k) Retirement Savings Plan with 
%

Comprehensive Medical, Prescription, 


Paid Time Off and Holidays

Flexible spending accounts

Life Insurance and disability coverage

Job summary

United Automobile Insurance Company is seeking a licensed Total Loss Adjuster for a fully remote role serving the Southeast region. You will assess total loss claims on vehicles and property, conduct investigations, determine values, and negotiate settlements with policyholders.

Ideal candidates have 1–3 years of related experience, strong communication and negotiation skills, and the ability to work independently in a fast-paced environment. Remote work option supported across the Southeast.

Qualifications

• Bachelor's degree preferred; experience in lieu of degree considered.
• Active Adjuster license required.

Responsibilities

• Review policies to understand coverage limits and exclusions.
• Utilize valuation software to determine fair market value of total loss.
• Gather information from policyholders and ensure documentation is provided.
• Calculate total loss values per findings and company standards.
• Explain valuation offers to policyholders and address questions.
• Collect and submit all total loss paperwork from policyholders.
• Negotiate settlements in line with policies and regulations.
• Liaise with lienholders to secure necessary documents.
• Prepare detailed reports on assessment findings and settlements.
• Maintain accurate claim records per regulatory standards.
• Stay updated on industry trends, regulations, and best practices.
• Provide exceptional customer service throughout the process.

Skills

Communication

Negotiation

Multitasking

Attention to detail

Analytical thinking

Customer service

Time management

Education

Bachelor's degree in business or related field

Adjusters license

Job description

COMPANY OVERVIEW

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a Total Loss Adjuster to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

Actively seeking licensed adjusters for a fully remote total loss opportunity on our Auto Claims Team. The ideal candidate will be seated in the S.E. area of the US ~ Active License in FL, GA or TX highly desirable

SCOPE

As a Total Loss Adjuster, you will be responsible for evaluating claims and making determinations on properties, vehicles, or assets that have been declared a total loss. This involves conducting thorough investigations, assessing damage, estimating the value of the loss, and negotiating settlements with policyholders. Additionally, the adjuster will calculate total loss values, explain offers to policyholders, secure total loss paperwork from customers, and communicate with lienholders. This position offers a remote work arrangement, allowing the ideal candidate to work from their preferred location within the Southeast region.

DUTIES

• Review insurance policies to understand the coverage limits and exclusions relevant to the claim.
• Utilize industry-standard valuation methods, software, and tools to determine the fair market value of the total loss.
• Gather information from policyholders regarding the circumstances of the loss and ensure all necessary documentation is provided.
• Accurately calculate the total loss values based on the assessment findings and in compliance with company policies and industry standards.
• Provide clear and detailed explanations of the total loss valuation and settlement offers to policyholders, addressing any questions or concerns.
• Collect and ensure all necessary paperwork related to total loss claims is completed and submitted by policyholders.
• Negotiate fair and reasonable settlements with policyholders, adhering to company policies and industry regulations.
• Liaise with lienholders or other relevant parties to facilitate the settlement process and ensure all necessary documentation is obtained.
• Prepare detailed reports outlining the assessment findings, valuation, and recommended settlement amounts.
• Ensure all claim documentation and records are accurate, complete, and comply with company and regulatory standards.
• Keep up to date with industry trends, legal regulations, and best practices related to total loss assessment.
• Provide exceptional customer service by addressing policyholder concerns, questions, and providing clear explanations of the claims process.

EDUCATION

• Bachelor's degree in business or a related field preferred. Experience in lieu of degree considered.
• Adjusters license required.

SKILLS & EXPERIENCE

• At least 1 – 3 years of insurance industry experience, claims processing, or a related field is preferred.
• Excellent communication, negotiation, and interpersonal skills.
• Ability to multitask and prioritize work effectively in a fast-paced environment.
• Familiarity with industry-specific software and tools for valuation and estimation.
• Analytical thinking and problem-solving skills.
• Attention to detail and accuracy in assessments.
• Ability to remain objective and impartial in assessing losses.
• Strong negotiation and conflict resolution abilities.
• Time management and organizational skills.

BENEFITS

• 401(k) Retirement Savings Plan with employer match.
• Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
• Paid Time Off, Holidays, and Leave programs.
• Flexible spending accounts
• Basic Life Insurance and Voluntary Life/ADD
• Voluntary Short Term and Long-Term Disability

UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit https://www.e-verify.gov/.

UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.