Senior Auto Adjuster - Complex Non-Injury Claims

USAA Life Insurance Company; Phoenix (AZ); Hybrid; USD 58,000 - 98,000; Full time

Benefits offered by this job

Competitive compensation

Comprehensive benefits

Annual incentive program

Pension plan

Job summary

USAA Life Insurance Company is seeking an experienced Auto Claims Adjuster for a hybrid on-site role serving residents in a multi-state work-at-home model. The position emphasizes managing complex auto claims, collaborative problem-solving, and timely settlements for members and claimants.

Qualified candidates bring 3+ years of auto claims adjusting, strong investigation and negotiation skills, and active adjuster licensing. Bachelor's degree is preferred, and military affiliation is valued.

Qualifications

• 3 years of auto claims adjusting experience, including handling auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
• Acquisition and maintenance of required insurance adjuster licensing within 90 days and three attempts.
• Bachelor's degree preferred; US military experience encouraged.

Responsibilities

• Manage complex auto claims from initial investigation through resolution, including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss.
• Investigate and evaluate claims by analyzing policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions.
• Evaluate and negotiate first- and third-party physical damage claims within established settlement authority.

Skills

Claims handling

Investigation

Negotiation

Work under deadlines

Education

GED

Bachelor's degree

Tools

Guidewire ClaimCenter

Licensing

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 impactful.

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

This position is a Work at Home opportunity for Texas, Nevada, Washington, Oregon, and Arizona residents; however, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site 3 days per week. Relocation assistance is not available for this role.

Why You'll Love This Opportunity:

• Work at Home, however individuals residing within a 60-mile radius of a USAA office will be expected to work on-site 3 days per week.
• Competitive compensation and comprehensive benefits
• Eligibility to participate in an Annual Incentive Program
• Company-sponsored pension plan to help support your future retirement goals
• Career growth and development opportunities
• Supportive team environment

What You'll Do

• Manage complex auto claims from initial investigation through resolution, including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss.
• Investigate and evaluate claims by analyzing policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions.
• Evaluate and negotiate first- and third-party physical damage claims within established settlement authority.
• Use Guidewire ClaimCenter, investigation resources, digital collaboration tools, and data-informed insights to document decisions and advance claims efficiently.
• Proactively manage an assigned claims inventory by prioritizing work, anticipating next steps, maintaining documentation discipline, and driving each claim toward timely resolution.
• Deliver exceptional service through empathy, proactive communication, clear expectations, and ownership while effectively navigating difficult claim situations.
• Collaborate with managers, appraisers, technical resources, and business partners to resolve complex issues and create a seamless experience for members and claimants.
• Support workload surges and catastrophe-response operations as needed, including mandatory on-call dates and potential evening, weekend, and holiday work outside normal business hours.
• Travel or deploy with minimal notice during designated catastrophe events and perform additional duties based on business needs.

What You Have

• High school diploma or General Equivalency Diploma (GED).
• Experience handling auto physical damage claims, including repair related claim decisions and settlements.
• 3 years of recent auto claims adjusting experience, including handling auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
• Experience independently managing an assigned auto claims inventory from investigation through resolution.
• Acquisition and maintenance of required insurance adjuster licensing within 90 days and three attempts.
• Successful completion of a job-related assessment may be required.

What Sets You Apart

• 4 years of recent auto claims adjusting experience, including auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
• Total loss experience, including vehicle valuation and settlement negotiation.
• Experience mentoring, coaching, or serving as a technical resource to other claims professionals.
• Active adjuster's license or multiple state adjuster licenses.
• Guidewire Claim Center experience.
• Bachelor's degree.
• US military experience through military service or as a military spouse/domestic partner.

What Success Looks Like

You uncover the facts. You make the decision. You move the claim forward. Members and claimants know what is happening and what comes next. Your files tell a clear story. Your decisions are timely and supported. You take ownership through resolution, even when the path is complicated. Most importantly, you bring members peace of mind and confidence when they need it most.

This Is More Than Your Next Claims Job

It's a chance to apply everything you've learned, deepen your expertise, and open new doors. The experience you build here can prepare you for future opportunities in injury claims, catastrophe response, litigation, quality assurance, learning and development, technical coaching, and claims leadership.

Compensation range:

The salary range for this position is: $57,970 - 97,820

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any tim