Complex Commercial Auto Physical Damage Adjuster

Reserv; United States; Remote; USD 70,000 - 90,000; Full time

Benefits offered by this job

Generous health-insurance package

401(k) with employer matching

Generous PTO

Job summary

Reserv is seeking a highly organized Transportation Physical Damage Claims Adjuster to join our team. You will interact with customers by phone, educate them on their claims, and manage an inventory of cases from triage to resolution.

You will coordinate repairs, rental reimbursements, and subrogation opportunities while ensuring regulatory compliance. A license is required and further licenses can be obtained within 60 days.

Qualifications

• Experience with commercial transportation claims (Third-Party PD/Total Loss) is required.
• Active adjuster license is required; DHS allowed if applicable.
• Willingness to obtain additional licenses within 60 days.
• Solid understanding of state regulations, policy provisions, and procedures.
• Strong analytical and decision-making skills.

Responsibilities

• Provide prompt, courteous, high-quality customer service to policyholders and claimants.
• Gather information to initiate claims and explain policy coverage and actions.
• Manage an inventory of claims, establish initial reserves, and adjust as needed.
• Coordinate vehicle repairs and assist with rental reimbursement.
• Identify subrogation and salvage opportunities and total loss scenarios.
• Ensure compliance with state regulations and procedures.
• Negotiate settlements within approved authority and communicate with involved parties.
• Contribute to ongoing development of claims guidelines and best practices.
• Oversee outside investigative services and coordinate with clients and counsel.
• Engage in continuous learning about personal lines, case law, and policy changes.

Skills

Commercial transportation claims

Active adjuster license

Strong communication

Licenses in 60 days

Problem solving

Education

Bachelor’s degree

Job description

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!

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

• 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

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
• 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.