Job description
Why USAA? Let’s do something that really matters.At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty, and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!
We are currently seeking a talented Sr. Auto Appraiser-Field. This position will be primarily doing field inspections and virtual estimating in San Diego North, Carlsbad, Escondido Temecula, Murrieta, Lake Elsinore, San Juan Capistrano, Dana Point, Valley Center, Fallbrook, Hemet, San Jacinto, Menifee, Perris, March AFB, and adjacent areas as needed. (Pacific time zone). It is required that the successful candidate live within commutable distance of this area. In this role, you'll make a difference to our members as you recognize life events, understand needs, and provide advice to deliver appropriate solutions to the member. Military veterans and spouses are highly encouraged to apply.
The Opportunity
What you’ll do:
As a Sr. Auto Appraiser, you will work within defined guidelines and frameworks responsible to investigate, evaluate and appraise vehicle damage claims for both repairable and total loss vehicles to ensure estimate accuracy in compliance with state laws and regulations. You will be responsible for delivering outstanding member service through setting appropriate expectations, proactive communications, advice, and emotional intelligence.
Identifies and manages existing and emerging risks that stem from business activities and the job role.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
Follows written risk and compliance policies, standards, and procedures for business activities.
With the use of digital tools, evaluates and appraises high complexity (total loss, total burn, theft recovered, heavy (non-drivable) auto claims in accordance with the terms and conditions of the contract, corporate guidelines and state laws and regulations.
Investigates claim damages including communicating with the insured and third parties/vendors. May require face-to-face interactions with members and third parties.
Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and makes the appropriate, timely system referral.
Demonstrates advanced knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance.
Reviews claims/suppliers for fraud indicators and refers to Special Investigative Unit for handling, if applicable.
Maintains accurate and current claim file documentation throughout the claims process for complex claims. Includes mapping of repair plan and timeline for repair.
Responsible for reviewing additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.
May serve as a subject matter expert representative for disputed claims or trials. Serves as a resource to team members on escalated issues of a routine nature.
Partners with vendors and internal business partners to facilitate highest complexity claims resolution.
May also involve external regulatory coordination to ensure appropriate documentation and compliance.
Explains coverage, assists policyholders with information on repairs and describes the settlement process, setting appropriate expectations. Issues settlement amounts for damages claimed.
Supports workload surges and/or Catastrophe Operations as needed which may involve volunteering for travel to CAT sites and or extended hours. May serve as temporary member of the APD Catastrophe team.
What you have:
High School Diploma or General Equivalency Diploma required.
2+ years of auto appraising experience.
Knowledge of P&C insurance policy contracts and coverages, auto parts distribution process and claim appraisal process and procedures.
Acquisition and maintenance of insurance adjuster license within 90 days and designated number of attempts.
What sets you apart:
CCC One® estimating system experience
Current I-Car® Platinum Certification
5+ years of APD experience writing estimates and appraising vehicles
Working knowledge of repair methods for Exotic, Luxury, Hybrid and all Electric vehicles.
Collision Body Shop experience writing estimates
Comfortable working in a fast paced, high productivity virtual estimating environment
Current Global or TX adjuster’s license
Physical Demand Requirements: *
Will require the ability to operate a company vehicle within assigned territory.
Will require the ability to reach, handle, squat, bend, climb, and keen as needed to complete inspections of damaged vehicles.
May require the ability to work outdoors in inclement weather conditions; May be exposed to working in body shop and/or salvage yard environments up to 25% of the time.
May be required to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.
- These physical demands may apply if required to travel for CAT claims.
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The hiring range is: $68,210 - $122,790.
Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.
Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.
To see details on our outstanding benefits, visit USAA Total Rewards.
Relocation assistance is not available for this position.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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