Purpose of Job
We are currently seeking a talented Sr. Auto Appraiser to work remotely in Eastern and/or Central time zones.
**Role may offer flexibility to work from home once training has been
completed. To enable this flexibility, please consider the following:
Must have internet bandwidth with minimum capability of consistent speeds of 25 Mbps download and 5 Mbps upload. Satellite or Wireless are not currently approved. Ability to provide workspace at home that is safe, suitable for work, and provide a distraction free environment from background noises that may distract a member or internal USAA customer. Ability to return to campus for training and other meetings as needed so must reside within a daily, reasonable commuting distance to a USAA facility.**
Within defined guidelines and framework 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. Accountable for delivering exceptional member service through setting appropriate expectations, proactive communications, advice, and empathy.
Job Requirements
Tasks:
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 extended hours. May serve as permanent member of the APD Catastrophe team.
Minimum Education:
Minimum Experience:
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.
Preferred Requirements:
Served in the US Military or Military Spouse
Minimum of 1 year CCC estimating experience
Ph ysical Demand Requirements:
May require the ability to operate a company vehicle within assigned territory.
May 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.
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 salary range for this position is: $54,800.00 - $98,700.00* (this does not include geographical differential, it may be applied based on your work location).
Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.
*Geographical Differential : Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.
Shift premium will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.
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.
Please click on the link below for more details.
USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)
Relocation assistance is not available for this position.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
