Sr. Auto Appraiser - Field

About the role

The Opportunity at USAA involves evaluating and appraising highly complex auto physical damage claims. This is a field-based role in the Baton Rouge, LA area, and candidates must be willing and able to work in the Baton Rouge, LA area.

Responsibilities

• Evaluates and appraises highly complex auto physical damage 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, internal claims adjusters, and third parties/vendors.
• Reviews facts of loss and vehicle damage to determine if subrogation opportunities exist and ensures all supporting physical damage documentation is in the claim.
• Demonstrates advanced knowledge of P&C insurance industry products, services, contracts, and internal processes/systems/procedures to ensure compliance with laws, regulations, and policy provisions.
• Reviews claims/suppliers for fraud indicators and refers to Special Investigations Unit for handling, if applicable.
• Maintains accurate and current claim file documentation throughout the claims process for complex claims.
• Maintains high standards of productivity through effective desk management, timely follow-ups, and accurate mapping of repair plan and timeline for repair in support of fast and accurate claims adjudication.
• Reviews additional damages received from repair facilities to either complete a supplement or triage to field provider method of inspection.
• Serves 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.
• PROACTIVELY PROVIDES POLICYHOLDERS WITH INFORMATION REGARDING THEIR COVERAGE, REPAIR ESTIMATE OR TOTAL LOSS VALUATION, AND CLAIMS/REPAIR PROCESS WHILE SETTING APPROPRIATE EXPECTATIONS.
• SUPPORTS WORKLOAD SURGES AND CATASTROPHE (CAT) RESPONSE OPERATIONS AS NEEDED, INCLUDING MANDATORY ON-CALL DATES AND POTENTIAL EVENING, WEEKEND, AND/OR HOLIDAY WORK OUTSIDE NORMAL WORK HOURS.
• MAY BE ASSIGNED CAT DEPLOYMENT TRAVEL WITH MINIMAL NOTICE DURING DESIGNATED CATS.
• WORKS VARIOUS TYPES OF CLAIMS, INCLUDING ONES OF HIGHER COMPLEXITY, AND MAY BE ASSIGNED ADDITIONAL WORK OUTSIDE NORMAL DUTIES AS NEEDED.
• ENSURES RISKS ASSOCIATED WITH BUSINESS ACTIVITIES ARE EFFECTIVELY IDENTIFIED, MEASURED, MONITORED, AND CONTROLLED IN ACCORDANCE WITH RISK AND COMPLIANCE POLICIES AND PROCEDURES.

Requirements

• High School Diploma or General Equivalency Diploma.
• 2 years of auto appraising experience.
• 2 years of experience with P&C insurance policy contracts and coverages, auto parts distribution process, and claim appraisal process and procedures.
• Advanced working knowledge of estimating losses using CCC or similar estimating platforms.

Qualifications

• Demonstrated written and verbal skills to communicate with members, claimants, repair facilities, and other internal and external stakeholders.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
• US military experience gained through military service or gained as a military spouse / domestic partner.

Physical Demands

• May require the ability to operate a company vehicle within assigned territory.
• May require the ability to reach, handle, squat, bend, climb, and kneel 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.

Benefits

• 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.
• Variety of wellness programs.
• Career path planning and continuing education.