Remote Total Loss Claims Examiner – Settlements

Raphael and Associates; United States; Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

base salary

performance-based incentives

paid time off

comprehensive medical

dental

vision

life insurance

a 401(k) plan with company matching

Job summary

Raphael & Associates is a globally recognized third-party claims administrator seeking a Total Loss Claims Examiner to negotiate and settle vehicular total loss claims. You will evaluate damage, determine actual cash value (ACV), and negotiate settlements in accordance with policy terms and state regulations.

We will consider remote candidates for this role, working closely with team members to ensure superior service and industry expertise.

Qualifications

• 3+ years of total loss claims experience.
• Knowledge of state insurance regulations and Fair Claims Practices Acts.
• Strong communication skills, both verbal and written.
• Ability to analyze data and negotiate settlements while controlling costs.
• Experience with salvage valuations and title transfers is a plus.

Responsibilities

• Guide vehicle owners through the total loss claims process with clear communication.
• Evaluate damage, determine ACV and settlement amounts per policy terms.
• Negotiate total loss settlements for timely resolution.
• Manage salvage valuations and transfers to salvage vendors.
• Process vehicle title transfers and maintain proper documentation.
• Monitor expenses and identify potential cost recoveries.
• Maintain claim diary and prioritize files for timely follow-up.
• Ensure compliance with regulatory standards and record-keeping.

Skills

Verbal communication

Written communication

Analytical skills

Multi-tasking

MS Office

Claims software

Vehicle valuation tools

Negotiation skills

Regulatory knowledge

Licensing (Adjusters)

Tools

MS Office

Claims management software

Vehicle valuation tools

Job description

Raphael & Associates is a globally recognized third-party claims administrator seeking a Total Loss Claims Examiner to negotiate and settle vehicular total loss claims. You will evaluate damage, determine actual cash value (ACV), and negotiate settlements in accordance with policy terms and state regulations.

We will consider remote candidates for this role, working closely with team members to ensure superior service and industry expertise.