Total Loss Adjuster

Safety Insurance Company; Boston (MA); On-site; USD 50,000 - 75,000; Full time

Benefits offered by this job

Health insurance

401(k) Employer Contribution

Paid time off

Tuition reimbursement

On-site fitness center

Hybrid work options

Coffee and breakfast service

Job summary

Safety Insurance Company is seeking a Total Loss Adjuster based in Boston, MA to investigate, evaluate, and settle auto total loss claims. This in-office role handles the full claim lifecycle with emphasis on compliance, customer service, and timely settlements.

You will review damage estimates, determine actual cash value, and negotiate settlements within authority while maintaining meticulous claim files and providing excellent service to policyholders and claimants.

Qualifications

• College degree or equivalent work experience required.
• 1+ years of auto claims handling experience, total loss experience strongly preferred.
• Ability to manage multiple claims and deadlines in a fast-paced environment.
• Strong customer service orientation with the ability to handle sensitive situations professionally.
• Excellent negotiation, problem-solving, and communication skills.

Responsibilities

• Evaluates total loss appraisals to effect settlement within authority.
• Review and analyze auto damage estimates, repair feasibility, and market values to determine total loss status.
• Determine actual cash value of vehicles using industry valuation tools and market research.
• Negotiates vehicle value with first and third parties and their representatives.
• Controls salvage costs and resolution.
• Works with manager to resolve difficult situations.
• Prepare and issue settlement offers in accordance with company guidelines and state regulations.
• Negotiate settlements within authority limits and escalate when needed.
• Maintain accurate and detailed claim files in the company’s claims management system.

Skills

Customer service

Negotiation

Communication

Time management

Education

College degree

Tools

Claims system

Job description

Job Details

Job Location: Safety Insurance Main Office - Boston, MA 02110

Salary Range: $50,000.00 - $75,000.00 Salary/year

Benefits of Working for Safety

Safety Insurance is proud to be one of the leading property and casualty insurance providers in Massachusetts. We are committed to supporting independent agents and their customers through our unwavering dedication to excellence. Our success is built on a simple philosophy: deliver the highest quality insurance products at competitive rates while providing exceptional service at every step.

At Safety Insurance, we don’t just offer jobs – we offer careers that are challenging, fulfilling, and designed to grow with you.

Our people are our greatest asset. A diverse workforce makes us stronger, more innovative, and better equipped to serve our customers. At Safety, we empower our employees to be their best by fostering an inclusive environment and offering resources that support their careers, education, and families. We also understand the importance of work-life balance. That’s why we offer hybrid work options, flexible schedules, and a 37.5-hour workweek. Conveniently located in the heart of Boston’s financial district, our downtown office is a positive space where employees can stay connected to both each other and the pulse of the city.

Safety’s benefits go beyond the basics. In addition to competitive salaries, our comprehensive benefits package includes:

• 3weeks accrued paid time off +paid holidays each year
• Health insurance (medical, dental, vision)
• Annual401(k) Employer Contribution (up to 8% of your base salary)
• 100% tuition reimbursement
• Free on‑site fitness center
• Complimentary coffee and breakfast service
• Hybrid work schedules
• Working Advantage Discount Program
• Employee Assistance Program
• … and much more!

Job Summary

The Total Loss Adjuster is responsible for investigating, evaluating, and resolving auto claims in which the vehicle has been deemed a total loss. This role involves managing the claim process through final settlement, ensuring compliance with company policies, regulatory requirements and delivering excellent customer service to policyholders and claimants. This is an in‑office role based out of our Boston, MA office.

Responsibilities

• Evaluates total loss appraisals to effect settlement within authority
• Review and analyze auto damage estimates, repair feasibility, and market values to determine total loss status
• Determineactual cash value of vehicles using industry valuation tools and market research
• Negotiates vehiclevalue with1stand3rd parties and their representatives
• Controlssalvagecostsandresolution
• Workswith managertoresolve difficultsituations
• Prepare and issue settlement offers in accordance with company guidelines and state regulations
• Negotiate settlements within authority limits and escalat when needed
• Maintain accurate and detailed claim files in the company’s claims management system
• Performs other activities as required

Qualifications

• College degree or equivalent work experience required
• 1+ years of auto claims handling experience, with total loss experience strongly preferred
• Ability to manage multiple claims and deadlines in a fast‑paced environment
• Strong customer service orientation with the ability to handle sensitive situations professionally
• Excellent negotiation, problem-solving, and communication skills