Auto Adjuster – Total Loss Settlement Specialist

This is a fully remote position, open to applicants in Texas.

📋 Description

• Investigate and manage both personal and commercial auto claims from initial assignment to final resolution.

• Conduct recorded statements with insured individuals, claimants, and witnesses as necessary.

• Acquire and examine police reports, accident reports, and other supporting documentation.

• Assess liability based on facts, evidence, relevant laws, and policy coverage.

• Evaluate damages, liability, coverage, and potential claim exposure.

• Establish and uphold suitable claim reserves.

• Review claims and negotiate settlements within assigned authority limits.

• Ensure prompt and accurate resolution of claims in alignment with client expectations and company standards.

• Identify and pursue subrogation opportunities when applicable.

• Communicate effectively with claimants, insured parties, attorneys, repair facilities, and other relevant stakeholders.

• Maintain precise claim documentation and record all activities within claim files.

• Review vehicle valuations and ascertain Actual Cash Value (ACV).

• Oversee total loss claims until settlement is reached.

• Negotiate total loss settlements with both claimants and insured individuals.

• Coordinate title processing, salvage disposition, and settlement documentation.

• Review valuation reports and supporting documentation for accuracy.

• Communicate settlement offers and clarify valuation methodologies to customers.

• Resolve disputes regarding total loss valuations.

• Provide updates on claim status and resolution to clients, claimants, repair facilities, and vendors.

• Address escalated customer concerns.

• Foster strong client relationships through responsiveness and high-quality service.

• Ensure claim files adhere to quality and compliance standards.

• Meet expectations for productivity, quality, and cycle time.

• Maintain accurate reporting of claims.

• Utilize technology and reporting tools to manage workloads effectively.

• Support initiatives for process improvement and best practices.

• Assist in program growth and client service initiatives.

• Perform additional duties as required.

• Provide support for catastrophe and surge claim operations when necessary.

• Assist with quality assurance reviews and process improvement initiatives.

• Engage in training and mentoring opportunities.

⛳️ Requirements

• Current adjuster's license or the ability to obtain and maintain required state licenses.

• Preferred professional industry certifications.

• A minimum of four (4) years of experience in auto claims handling, auto adjusting, or related claims management is preferred.

• Experience in handling total loss claims and negotiating settlements.

• Familiarity with both standard and non-standard personal and commercial auto claims is preferred.

• Prior experience with insurance carriers, third-party administrators (TPA), or independent adjusting is preferred.

• Strong knowledge of auto claims handling procedures and insurance principles.

• Understanding of liability investigations, coverage analysis, and claims resolution.

• Knowledge of total loss valuation methodologies, title processing, and salvage procedures.

• Excellent negotiation and settlement skills.

• Strong written and verbal communication abilities.

• Solid analytical and problem-solving skills.

• Capability to manage multiple priorities in a fast-paced environment.

• Exceptional customer service and interpersonal skills.

• Strong organizational and time management skills.

• Proficiency in Microsoft Office applications and claims management platforms.

• Ability to create and complete comprehensive, accurate, and professional claim documentation and reports.

• Capability to work both independently and collaboratively within a team setting.

• Experience handling insurance claims that involve liability investigations and coverage decisions.

• Experience managing total loss evaluations and negotiating settlements for total loss claims.

• Experience working directly with insurance carriers, TPAs, or independent adjusting firms.

• Salvage and recovery experience.

• Familiarity with estimating platforms such as CCC ONE, Mitchell, or Audatex.

• Experience with Bodily Injury (BI) claims is an advantage.

• Bilingual skills are beneficial but not mandatory.

• Professional insurance designations or industry certifications are a plus.

• Ability to work under deadlines while maintaining quality standards.

• Capacity to exercise sound judgment and discretion.

• Proficiency in computer and keyboard use.

• Ability to communicate effectively via phone, video conference, and email.

• Willingness to travel as required.

• Hearing, vision, and verbal communication abilities sufficient to perform job duties.

🏝️ Benefits

• Opportunities for career growth and development.

• A collaborative and supportive work environment.

• Competitive compensation and benefits package.

• Reasonable accommodations when applicable and appropriate.

• Participation in training and mentoring opportunities.

• Work-life balance.

• Equal opportunity and drug-free workplace.