Claims Auto Adjuster (Mid-Level) - Non-Injury

USAA Life Insurance Company; San Antonio (TX); Hybrid; USD 51,000 - 87,000; Full time

Benefits offered by this job

Onsite 5 days/week for 6 months

Hybrid work schedule after six months

No relocation assistance

Job summary

USAA Life Insurance Company in San Antonio, TX is seeking an auto claims adjuster to manage moderately complex claims from investigation through resolution. You will review coverage, determine liability, and negotiate settlements while delivering best-in-class service.

The role starts onsite five days a week for six months, then shifts to a hybrid schedule with three days in the office. Relocation is not offered.

Qualifications

• High School Diploma or GED required.
• 1 year of customer service experience.
• Progressive experience handling low complexity auto non injury liability claims.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
• Understanding of auto claims contracts and state laws.
• Strong negotiation, investigation, communication and conflict resolution skills.
• Ability to multitask across multiple applications.
• Job-related assessment may be required.

Responsibilities

• Investigates liability and applies appropriate coverage, evaluates, negotiates, and settles moderately complex auto claims.
• Negotiates liability for comparative negligence (claimant or adverse carrier).
• Identifies coverage concerns, reviews prior loss history, determines, and creates SIU referrals, when appropriate.
• Interacts with multiple parties to gather information needed to determine liability (police reports, statements).
• Documents thought process including damage evaluation, investigation, negotiation, and settlement decisions.
• Collaborates with external and internal partners to facilitate claims resolution.
• Supports members, partners, and claimants through digital tools to drive timely and effective resolutions.
• Applies developing knowledge of P&C insurance products and auto physical damage to adjust claims.
• Supports workload surges and CAT response operations as needed; may have on-call dates outside normal hours.

Skills

Auto claims experience

Negotiation

Communication skills

Investigation

Guidewire

Education

High School Diploma

Insurance adjuster license within 90 days

Tools

Guidewire

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 impact.

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

In this role, you will help members navigate moderately complex, non-injury auto claims from investigation through resolution. You will review coverage, determine liability, evaluate damages, negotiate settlements, and coordinate with internal and external partners to move claims forward. A key part of the role is delivering best-in-class service by setting clear expectations, explaining decisions, documenting your work, and providing empathetic support during the claims process.

This position is based in San Antonio, TX. Employees are required to work onsite 5 days per week for the first 6 months. After the initial 6-month period, the role transitions to a hybrid schedule with 3 days in office per week.

Relocation assistance is not available for this position.

What you'll do:

• Investigates liability and applies appropriate coverage, evaluates, negotiates, and settles moderately complex auto claims.
• Negotiates liability for comparative negligence (claimant or adverse carrier).
• Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate.
• Interacts with multiple parties to gather information needed to determine liability (police reports, recorded statements, witness statements).
• Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.
• Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions.
• Collaborates and sets expectations with external and internal business partners to facilitate claims resolution.
• Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.
• Applies developing knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures.
• Applies intermediate knowledge of Auto Physical Damage to adjust claims.
• 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 customer service experience.
• Progressive experience handling low complexity auto non injury liability claims.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
• Developing knowledge and understanding of auto claims contracts as well as application of case law and state laws and regulations.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
• Successful completion of a job-related assessment may be required.

What sets you apart:

• One or more years of auto liability claims experience managing claims from initial contact through resolution
• One year of experience managing a pending inventory with demonstrated organization and prioritization skills
• Proven experience with comparative negligence and shared liability determinations
• Strong analytical and communication skills with the ability to interpret policy language, assess coverages, and make sound decisions
• Proficiency with Guidewire or similar claims management systems
• Bachelor's degree or industry designation (e.g., AIC, CPCU)
• US military experience gained through military service or gained as a military spouse / domestic partner

Compensation range:

The salary range for this position is: $51,370.00 - $86,680.00 .

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 immigr