Commercial Auto Physical Damage Adjuster

Reserv Claims Analysis, LLC; Atlanta (GA); Hybrid; USD 75,000 - 110,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

Paid time off

Family leave

Remote-first environment

Equipment provided

Job summary

Reserv Claims Analysis, LLC is seeking a Commercial Auto Physical Damage Claims Adjuster to join a tech-driven claims organization focused on delivering exceptional customer service and efficient resolution of auto claims.

You will handle inquiries, triage inventory, coordinate repairs, and pursue subrogation opportunities while adhering to state policies and procedures. A responsive licensing path and ongoing professional development are supported in a remote-first environment.

Qualifications

• Bachelor's degree required; lack of one should not stop you from applying if you possess all the other qualifications.
• 3-5 years of experience on commercial transportation claims, dealing with Third-Party PD/Total Loss.
• Active adjuster license required: resident state license if available, otherwise a DHS license.
• Willing to obtain all licenses within 60 days, including state testing.
• Knowledge of state regulations, policy provisions, and standard operating procedures.
• Commercial experience necessary.
• Ability to analyze and evaluate claims data and make sound decisions based on established guidelines, policies, and procedures.
• Curious and motivated by problem solving and questioning the status quo.
• Desire to engage in learning opportunities and continuous professional development.

Responsibilities

• Provide prompt, courteous and high-quality customer service to all policyholders and claimants by responding to customer inquiries, initiating investigations and resolving customer claims.
• Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action.
• Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim.
• Coordinate the repair of damaged vehicles and assist with rental reimbursement.
• Recognize recovery opportunities in regards to subrogation and salvage, as well as total loss.
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures.
• Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority.
• Provide input for continuous development of claims guidelines, best practices, and process improvements.
• Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim.
• Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications.

Skills

Claims analysis

Customer service

Communication

Regulatory knowledge

Analytical thinking

Education

Bachelor's degree

Job description

Commercial Auto Physical Damage Adjuster

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.

About the role

We are seeking a highly organized and customer-focused Transportation Physical Damage Claims Adjuster to join our team.

You will be responsible for speaking to customers on the phone, educating and helping the customer work through their claim to the best possible outcome. Your role will also be responsible for handling an inventory of claims, triaging critical claims, and delivering exceptional customer service!

If you bring strong analytical skills, excellent communication, and a passion for exceptional customer service to quickly achieve optimal claim results —we want to hear from you!

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
• You have a sense of humor (claims are hard enough as it is!)

What you'll do

• Provide prompt, courteous and high-quality customer service to all policyholders and claimants by responding to customer inquiries, initiating investigations and resolving customer claims.
• Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action
• Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim
• Coordinate the repair of damaged vehicles and assist with rental reimbursement
• Recognize recovery opportunities in regards to subrogation and salvage, as well as total loss
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures
• Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority
• Provide input for continuous development of claims guidelines, best practices, and process improvements
• Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim
• Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications

Qualifications

• Bachelor's degree (lack of one should not stop you from applying if you possess all the other qualifications)
• Minimum of 3-5 years of experience on commercial transportation claims, dealing with Third-Party PD/Total Loss
• Active adjuster license required: resident state license if available, otherwise a Designated Home State (DHS) license
• You're willing to obtain all licenses within 60 days, including completing any state required testing
• Knowledge of state regulations, policy provisions, and standard operating procedures
• Commercial experience necessary
• Ability to analyze and evaluate claims data and make sound decisions based on established guidelines, policies, and procedures
• Curious and motivated by problem solving and questioning the status quo
• Desire to engage in learning opportunities and continuous professional development
• 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
• Work from anywhere to facilitate 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!