Senior Auto Claims Adjuster

Location: Phoenix, AZ 85085

*Fully Onsite for 3 months inital training; followed by hybrid schedule of 3 days onsite/2 days remote

W2 Contract-to-Hire after 4 months

Pay Rate: $37/HR

Job Overview

• Manage complex Auto Claims from initial investigation through resolution, maintaining independent ownership of an assigned claims inventory.
• Investigate and evaluate Auto Claims involving coverage disputes, disputed liability, comparative negligence, physical damage, total loss, and multi-vehicle accidents.
• Independently investigate and determine auto liability by reviewing police reports, statements, photographs, scene evidence, vehicle damage, and other relevant information.
• Investigate insurance coverage issues by reviewing policy language, endorsements, documentation, and other information needed to make well-supported coverage decisions.
• Evaluate and negotiate first-party and third-party auto physical damage claims within established settlement authority.
• Handle repair-related claim decisions and settlements, including coordination with appraisers, repair facilities, and other technical resources.
• Proactively manage an active Auto Claims inventory by prioritizing work, completing follow-ups, maintaining diary activities, documenting decisions, issuing payments, and moving claims toward timely resolution.
• Communicate liability, coverage, settlement, and other claim decisions to insureds and claimants, including difficult or unfavorable decisions.
• Maintain thorough and accurate claim documentation supporting investigation findings, coverage decisions, liability determinations, settlements, and claim resolution.
• Utilize claims management and investigation resources, including Guidewire ClaimCenter and related tools, to document and advance claims.
• Collaborate with managers, appraisers, technical resources, and business partners to resolve complex claim issues.
• Provide proactive communication and clear expectations to insureds and claimants throughout the claims process.
• Support workload surges and catastrophe-response operations as required, which may include designated on-call dates and occasional evening, weekend, or holiday work.
• Travel or deploy with limited notice during designated catastrophe events based on business needs.

Required Qualifications

• High school diploma or GED.
• Arizona adjuster license required.
• 3+ years of recent, hands-on Auto Claims adjusting experience.
• Experience independently managing an assigned Auto Claims inventory from investigation through resolution.
• Hands-on experience investigating and determining auto liability.
• Experience handling disputed liability and comparative negligence claims.
• Experience conducting insurance coverage investigations and making or supporting coverage decisions.
• Experience handling auto physical damage claims, including repair-related claim decisions and settlements.
• Experience evaluating and negotiating first-party and third-party physical damage claims.
• Demonstrated ability to independently investigate claims, make claim decisions, document findings, communicate decisions, and drive claims toward resolution.
• Experience managing an active claims inventory/caseload while maintaining timely follow-up and accurate documentation.
• Strong investigation, decision-making, negotiation, organization, and claims documentation skills.
• Strong written and verbal communication skills with experience communicating difficult or unfavorable claim decisions.

Preferred Qualifications

• 4+ years of recent Auto Claims adjusting experience.
• Total loss experience, including vehicle valuation and settlement negotiation.
• Experience handling complex coverage investigations and disputed liability claims.
• Experience mentoring, coaching, or serving as a technical resource to other claims professionals.
• Active insurance adjuster license and/or licenses in multiple states.
• Experience with Guidewire ClaimCenter.
• Bachelor's degree.