Senior Total Loss Specialist

Aspire General Insurance; Rancho Cucamonga (CA); On-site; USD 85,000 - 120,000; Full time

Job summary

Aspire General Insurance is seeking an experienced Senior Total Loss Adjuster to manage complex total loss claims from valuation through settlement. You will handle both company-retained and owner-retained salvage while delivering clear, responsive service to insureds and lienholders.

The ideal candidate has at least five years of total loss experience, can work with minimal supervision, and will navigate regulatory requirements, documentation, and negotiations effectively.

Qualifications

• Minimum of five years of Total Loss experience.
• Experience handling total loss claims from valuation through settlement.
• Experience managing company-retained and owner-retained salvage.
• Ability to interpret vehicle valuations and explain settlement calculations clearly.
• Strong negotiation, analytical, decision-making, and organizational skills.
• Strong interpersonal and customer-service skills.
• Proficiency with Microsoft Word, Excel, Outlook, and web-based systems.
• Ability to type at least 35 words per minute.
• Ability to pass a background check.
• Ability to work independently and manage claims with minimal supervision.

Responsibilities

• Manage all aspects of total loss claims involving company-retained and owner-retained salvage vehicles.
• Use approved resources to determine accurate vehicle valuations.
• Review coverage and answer customer questions regarding the claim-handling process.
• Clearly explain vehicle valuations, settlement calculations, and the total loss process.
• Negotiate total loss settlements with insureds and third-party claimants.
• Communicate with insureds, claimants, lienholders, salvage vendors, and other involved parties.
• Handle salvage disposition and move vehicles to storage-free locations or salvage vendors as quickly as possible.
• Prepare and send required Department of Motor Vehicles forms and company documents.
• Review completed documents for accuracy and completeness.
• Comply with applicable state and federal laws, Department of Insurance requirements, carrier standards, and company policies.
• Assist team members with complicated or complex total loss claims.
• Complete assigned work accurately and independently with limited supervision.
• Support Claims leadership with special projects and departmental initiatives.
• Maintain regular, reliable, and punctual attendance.
• Perform other duties as assigned.

Skills

Total Loss experience

Valuation through settlement

Salvage management

Negotiation

Customer communication

Regulatory compliance

Documentation

Independent work

Job description

About Aspire

Aspire General Insurance Company and its affiliated general agent, Aspire General Insurance Services, are committed to providing affordable specialty auto coverage without compromising outstanding service.

About Aspire

Aspire General Insurance Company and its affiliated general agent, Aspire General Insurance Services, are committed to providing affordable specialty auto coverage without compromising outstanding service.

Our Values Are Represented By ABLE

Always do the right thing

Be yourself

Learn and evolve

Execute

About The Role

Aspire is seeking an experienced Senior Total Loss Adjuster to manage total loss claims from valuation through settlement and salvage resolution. Under the direction of the Total Loss Supervisor, this position handles both company-retained and owner-retained salvage claims while providing clear, responsive service to insureds, third-party claimants, and lienholders. The ideal candidate has at least five years of total loss experience, requires minimal supervision, and can confidently manage complex claims, negotiations, documentation, and regulatory requirements.

Required Qualifications

• Minimum of five years of Total Loss experience
• Demonstrated experience handling total loss claims from valuation through settlement
• Experience managing both company-retained and owner-retained salvage
• Ability to interpret vehicle valuations and explain settlement calculations clearly
• Strong negotiation, analytical, decision-making, and organizational skills
• Strong interpersonal and customer-service skills
• Proficiency with Microsoft Word, Excel, Outlook, and web-based systems
• Ability to type at least 35 words per minute
• Ability to pass a background check
• Ability to work independently and manage claims with minimal supervision

Preferred Qualifications

• Broader automobile claims or insurance industry experience
• Knowledge of insurance practices, terminology, and coverage concepts
• Experience assisting with complex total loss claims
• Bilingual communication skills

What You’ll Do

• Manage all aspects of total loss claims involving company-retained and owner-retained salvage vehicles.
• Use approved resources to determine accurate vehicle valuations.
• Review coverage and answer customer questions regarding the claim-handling process.
• Clearly explain vehicle valuations, settlement calculations, and the total loss process.
• Negotiate total loss settlements with insureds and third-party claimants.
• Communicate with insureds, claimants, lienholders, salvage vendors, and other involved parties.
• Handle salvage disposition and move vehicles to storage-free locations or salvage vendors as quickly as possible.
• Prepare and send required Department of Motor Vehicles forms and company documents.
• Review completed documents for accuracy and completeness.
• Comply with applicable state and federal laws, Department of Insurance requirements, carrier standards, and company policies.
• Assist team members with complicated or complex total loss claims.
• Complete assigned work accurately and independently with limited supervision.
• Support Claims leadership with special projects and departmental initiatives.
• Maintain regular, reliable, and punctual attendance.
• Perform other duties as assigned.

What Success Looks Like

• Total loss claims are resolved accurately, efficiently, and cost-effectively.
• Customers receive clear explanations and timely updates throughout the process.
• Vehicle valuations and settlement decisions are well-supported and properly documented.
• Salvage vehicles are moved quickly to reduce unnecessary storage costs.
• DMV and company documentation is completed accurately and on time.
• Complex issues are identified, communicated, and resolved with sound judgment.
• Work consistently meets company, carrier, and regulatory requirements.

Skills And Competencies

• Total loss claim handling
• Vehicle valuation analysis
• Settlement negotiation
• Salvage management
• Customer and lienholder communication
• Claims documentation
• Regulatory compliance
• Problem-solving and sound judgment
• Time management and personal organization
• Ability to manage competing priorities
• Ability to work independently and collaboratively

Aspire is an Equal Opportunity Employer committed to creating an inclusive workplace where all employees and applicants are treated with dignity and respect. All qualified applicants will receive consideration for employment without regard to any characteristic protected by applicable federal, state, or local law.

Aspire provides reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs and practices. Applicants requiring accommodation during any stage of the recruitment or hiring process should inform us right away.

Aspire complies with all applicable fair chance, ban-the-box, and criminal history consideration laws. Qualified applicants with criminal histories will be considered in a manner consistent with applicable law and the requirements of the position.

The pay range provided for this position represents the Company's good-faith estimate of the compensation for this role at the time of posting. Compensation for this position will be determined based on job-related qualifications, experience, education, skills, geographic location, and business needs. Aspire reserves the right to modify compensation and benefits programs as permitted by law.