Sr. Injury Claims Adjuster

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

About the Role

As a dedicated Sr. Injury Adjuster, you will work within defined guidelines and framework, responsible for adjusting attorney-involved moderately complex bodily injury claims. This includes confirming coverage, determining liability, investigating, evaluating, negotiating, defending, and settling claims in compliance with state laws and regulations. You will deliver a concierge level of best-in-class member service through setting appropriate expectations, proactive communications, advice, and compassion. This hybrid role requires you to be in the office 3 days per week and is based in our Plano, TX office. Relocation assistance is not available for this position.

Responsibilities

• 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.
• Adjusts attorney-involved moderately complex bodily injury claims with demonstrable injuries (e.g., torn meniscus, broken bones, disc herniations), as well as all auto physical damage associated with those claims.
• Identifies, confirms, and makes coverage decisions on moderately complex bodily injury claims.
• Investigates loss details, determines legal liability, evaluates, negotiates, and arrives at claim settlement within appropriate authority guidelines.
• Clearly documents thought process, investigation, evaluation, negotiation, and settlement decisions.
• Prioritizes and manages assigned claims workload to keep members and other involved parties informed, providing timely claims status updates.
• Collaborates and supports team members to resolve issues and identify appropriate matters for escalation.
• Partners and/or directs vendors and internal business partners to facilitate timely claims resolution.
• Supports workload surges and/or Catastrophe Operations as needed.
• May act as an informal resource for team members with less experience.

Requirements

• High School or General Equivalency Diploma.
• 1 year of injury adjusting experience.
• 2 years of auto liability claims adjusting experience.
• Deep knowledge and understanding of the auto claims contract as well as application of case law and state laws and regulations.
• Proficient negotiation, investigation, communication, and conflict resolution skills.
• Demonstrated time-management and decision-making skills.
• Proven investigatory, prioritizing, multi-tasking, and problem-solving skills.
• Proficient knowledge of human anatomy and medical terminology associated with bodily injury claims.
• Ability to exercise sound financial judgment and discretion in handling insurance claims.
• Proficient knowledge of coverage evaluation, loss assessment, and loss reserving.
• Acquisition and maintenance of insurance adjuster license within 90 days and designated number of attempts.

Qualifications

• 4 or more years of auto liability/casualty adjusting experience.
• 1 year of medical experience to include coding and billing or EMT.
• Ongoing Professional Development with a focus on Insurance.
• Bachelor's degree or higher.
• US military experience through military service or as a military spouse/domestic partner.

Pay

The salary range for this position is $63,590 - $121,530. USAA does not provide visa sponsorship for this role.

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) and pension plans.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education to assist employees with their professional goals.