Senior Auto Adjuster - Complex Non-Injury Claims

USAA Life Insurance Company; San Antonio (TX); Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Sign-on bonus up to $8,000

Competitive benefits

Job summary

USAA Life Insurance Company in San Antonio is hiring an auto claims adjuster. For the first three months, you'll work onsite at our campus, then transition to a hybrid schedule with three in-office days per week.

You will handle complex auto claims from investigation to resolution, collaborating with managers and specialists while maintaining thorough documentation. A license or ability to obtain one within 90 days is required.

Qualifications

• Experience handling auto physical damage claims, including decision making and settlements.
• Experience managing an auto claims inventory from investigation to resolution.
• Active adjuster licensing or ability to obtain within 90 days.

Responsibilities

• Manage complex auto claims from investigation through resolution, including multi-vehicle incidents.
• Evaluate policy language, statements, damages, and laws to decide coverage and liability.
• Negotiate settlements within established authority and documentation requirements.
• Collaborate with teams to resolve complex issues and provide a seamless member experience.
• Support on-call and catastrophe operations as needed.

Skills

Auto claims handling

Claims investigation

Negotiation

Communication

Education

High school diploma or GED

Bachelor's degree

Tools

Guidewire ClaimCenter

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

Join Our Team and Receive up to $8,000 in Sign-On Bonus Payments!

New hires are eligible for up to $8,000 sign-on bonus payments, with the first of three payments paid after successful completion of new hire onboarding & training, subject to eligibility requirements.

Why You'll Love This Opportunity:

• 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
• Up to $8,000 in sign-on bonus payments, subject to eligibility requirements

Up to $8,000 in sign-on bonus payments, subject to eligibility requirements

Bonus payments are subject to applicable withholdings and eligibility requirements.

Annual bonus and pension benefits are subject to applicable plan terms and eligibility requirements.

Start Strong. Build Your Future.

We don't expect you to master a new company, new systems, and complex claim processes on your own.

For your first three months, you'll work onsite at our San Antonio campus.

You'll receive hands-on training, focused coaching, and support from experienced teammates and leaders as you learn the role and build confidence in USAA's claims environment.

Once you successfully complete onboarding, you'll transition to a flexible hybrid schedule requiring three days each week in the office.

This position is based in San Antonio. Relocation assistance is not available for this role.

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 s