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Become An Auto Claims Adjuster

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Working As An Auto Claims Adjuster

  • Identifying Objects, Actions, and Events
  • Interacting With Computers
  • Getting Information
  • Documenting/Recording Information
  • Processing Information
  • Unpleasant/Angry People

  • Mostly Sitting

  • Make Decisions

  • Stressful

  • $62,980

    Average Salary

What Does An Auto Claims Adjuster Do At Nationwide

* 1. Prepare files for reassignment as needed
* Completes training necessary to promptly and effectively handle claims to conclusion.
* Adheres to high standards of professional conduct while providing the delivery of superior claims service
* Authorizes and/or approves all claims payments within the delegated authority or within the maximum limits as outlined in company policies and procedures
* Determines proper policy coverages, and where necessary, investigates, evaluates, negotiates and equitable settles all assigned casualty claims cases in accordance with company guidelines.
* Learns to utilize best claims practices
* Establishes and authorizes reserves and claims payments within the delegated authority.
* Recommends for approval all claims payments beyond delegated authority in accordance with company practices and procedures
* Learns to conduct settlement negotiations with claimants and policy holders
* Builds knowledge of: personal lines material/physical damage claims; court decisions which may impact the claims function; current guidelines in the claims function; and policy changes and modifications
* Submits administrative reports as required
* Initiates and conducts follow-ups via proficient use of the claims handling system or other related systems
* Learns to partner with SIU and Subrogation to identify fraud and subrogation opportunities
* May serve as the contact for personal lines material damage claims including non-standard; partners with SIU to identify fraud.
* Identifies subrogation opportunities
* Delivers a positive On
* Your
* Side customer service experience to all internal, external, current and prospective Nationwide customers
* Other duties as assigned

What Does An Auto Claims Adjuster Do At Assurant

* Investigate and adjust claims according to applicable laws and policy provisions.
* Conduct claim investigations including but not limited to recorded statements, securing public records, and analyzing report findings.
* Examine claim forms and other records to confirm coverage for loss or damage.
* Review and audit estimates received and settle claims within prescribed limits of authority.
* Issue payments or deny claim in a timely manner in accordance with policy conditions.
* Effectively negotiate settlements with contractors, adjusters, or any insured representative.
* Recognize and document subrogation and salvage opportunities and refer accordingly.
* Build and maintain effective internal and external working relationships.
* Collaborate with internal support teams and management as appropriate.
* Effectively collaborate with various departments and levels in the organization.
* Maintain industry knowledge and operational skills and attend workshops, seminars, and other training sessions as appropriate.
* Handle other duties and projects as requested based on business needs

What Does An Auto Claims Adjuster Do At Allstate Insurance

* Investigating, evaluating, and negotiating claims, in order to reach a fair and equitable settlement
* Using compassionate communication and persuasive negotiation to ensure a positive customer experience
* Working well with others in a fast-paced, collaborative environment
* Achieving targeted performance goals to manage costs and support Allstate's industry-leading operational standards
* Job QualificationsFour-year college degree preferred, plus two years experience delivering outstanding customer serviceExcellent written and verbal communication skills with a passion for helping othersStrong organizational and computer skillsAbility to be a self-starter and work independentlyPersistence and the ability to work through and solve problemsBilingual candidates are encouraged to applyMilitary candidates are encouraged to apply CLK789The candidate(s) offered this position will be required to submit to a background investigation, which includes a drug screen
* Good Work.
* Good Life.
* Good Hands
* As a Fortune 100 company and industry leader, we provide a competitive salary but thats just the beginning.
* Our Total Rewards package also offers benefits like tuition assistance, medical and dental insurance, as well as a robust pension and 401(k).
* Plus, youll have access to a wide variety of programs to help you balance your work and personal life -- including a generous paid time off policy
* Learn more about life at Allstate.
* Connect with us on Twitter, Facebook, Instagram and LinkedIn or watch a video
* Allstate generally does not sponsor individuals for employment-based visas for this position
* Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component
* For jobs in San Francisco, please see the notice regarding the San Francisco Fair Chance Ordinance
* For jobs in Los Angeles, please seethe notice regarding the Los Angeles Ordinance
* It is the policy of Allstate to employ the best qualified individuals available for all jobs without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity/gender expression, disability, and citizenship status as a veteran with a disability or veteran of the Vietnam Era
* ABC Associated topics: automobile, bodily, casualty, claim, claimant, fraud, insurance, insurance adjuster, liability, liability

What Does An Auto Claims Adjuster Do At Travelers

* Provide quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations.
* Deliver consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going effective communication, follow-through and meeting commitments to achieve optimal outcome on every file.
* Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements, apply how jurisdictional issues impact the claim when needed.
* Manage deductibles and coverage limits.
* Obtain relevant facts necessary to determine coverage, causation/damages, and exposure with respect to the various vehicle coverage provided.
* Recognize and refer files that do not meet Keep & Close criteria to appropriate claim professional.
* Investigate facts to establish negligence, sources of recovery and negotiate resolutions as appropriate.
* Manage partial theft requiring specialized investigation and where applicable involve internal and external experts.
* Recognize and request appropriate inspection type based on the details of the loss and coordinate the appraisal process.
* Maintain oversight of the repair process and ensure appropriate expense handling.
* Manage file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities to resolve claim in a timely manner.
* Determine settlement amounts based on appraisal estimates, and application of applicable limits and deductibles.
* Negotiate and convey claim settlements within authority limits to insureds.
* As appropriate, write denial letters, Reservation of Rights and other necessary correspondence to insureds and claimants.
* Recognize and forward appropriate files to subject matter experts (i.e.: SIU, staff counsel, property, etc.).
* Identify subrogation opportunities, determine appropriateness of the demand and negotiate adverse subrogation and arbitration.
* Assist Claim Customer Services in taking First Notice of Loss calls during periods of high volume.
* In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements.
* Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.
* Perform other duties as assigned.
* Job Opening ID:
* BR
* Equal Employment Opportunity Statement:
* Travelers is an equal opportunity employer

What Does An Auto Claims Adjuster Do At Progressive

* Identify and assess related and unrelated (prior) auto damage and set clear expectations on timeline for repairs and outcome
* Inspect vehicles and write estimates, documenting claim related information and making decisions consistent with claims standards and local laws
* Complete timely estimates, documenting updates
* Make total loss determinations and establishes total loss evaluations
* Develop strong relationships with body shop owners, managers and technicians
* Stay connected with customers, providing timely updates on repair process
* Evaluate and handle payments of claims and resolution of claims without payments
* Review and determine validity of any supplement requests

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How To Become An Auto Claims Adjuster

A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. Higher level positions may require a bachelor’s degree or some insurance-related work experience. Auto damage appraisers typically have either a postsecondary nondegree award or work experience in identifying and estimating the cost of automotive repair.


A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience or vocational training. Auto damage appraisers typically have either a postsecondary nondegree award or experience working in an auto repair shop, identifying and estimating the cost of automotive repair.

The varying types of work in these occupations can require different backgrounds or different college coursework. For example, a business or an accounting background might be best for someone who wishes to specialize in claims of financial loss due to strikes, equipment breakdowns, or merchandise damage. College training in architecture or engineering is helpful for adjusting industrial claims, such as those involving damage from fires or other accidents. A legal background is beneficial to someone handling workers’ compensation and product liability cases. A medical background is useful for examiners working on medical and life insurance claims.

Although auto damage appraisers are not required to have a college education, most companies prefer to hire people who have the formal training, experience, or knowledge and technical skills to identify and estimate the cost of automotive repair. Many vocational schools and some community colleges offer programs in auto body repair and teach students how to estimate the cost of repairing damaged vehicles.

For investigator jobs, a high school diploma or equivalent is the typical education requirement. Most insurance companies prefer to hire people trained as law enforcement officers, private investigators, claims adjusters, or examiners, because these workers have good interviewing and interrogation skills.


At the beginning of their careers, claims adjusters, examiners, and investigators work on small claims, under the supervision of an experienced worker. As they learn more about claims investigation and settlement, they are assigned larger, more complex claims.

Auto damage appraisers typically get on-the-job training, which may last several months. This training usually involves working under the supervision of a more experienced appraiser while estimating damage costs, until the employer decides that the trainee is ready to do estimates on his or her own.

Licenses, Certifications, and Registrations

Licensing requirements for claims adjusters, appraisers, examiners, and investigators vary by state. Some states have few requirements; others require either completing prelicensing education or receiving a satisfactory score on a licensing exam (or both).

In some states, claims adjusters employed by insurance companies do not have to become licensed themselves because they can work under the company license.

Public adjusters may need to meet separate or additional requirements.

Some states that require licensing also require a certain number of continuing education credits per year to renew the license. Federal and state laws and court decisions affect how claims must be handled and what insurance policies can and must cover. Examiners working on life and health claims must stay up to date on new medical procedures and the latest prescription drugs. Examiners working on auto claims must be familiar with new car models and the most recent repair techniques. In order to fulfill their continuing education requirements, workers can attend classes or workshops, write articles for claims publications, or give lectures and presentations.

Important Qualities

Analytical skills. Adjusters and examiners must both evaluate whether the insurance company is obligated to pay a claim and determine the amount to pay. Adjusters must carefully consider various pieces of information to reach a decision.

Communication skills. Claims adjusters and investigators must get information from a wide range of people, including claimants, witnesses, and medical experts. They must know the right questions to ask in order to gather the information they need.

Detail oriented. Adjusters, appraisers, examiners, and investigators must carefully review documents and damaged property, because small details can have large financial consequences.

Interpersonal skills. Adjusters, examiners, and investigators often meet with claimants and others who may be upset by the situation that requires a claim or by the settlement the company is offering. These workers must be understanding, yet firm with their company’s policies.

Math skills. Appraisers must be able to calculate property damage.

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Auto Claims Adjuster jobs

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Auto Claims Adjuster Demographics


  • Female

  • Male

  • Unknown



  • White

  • Hispanic or Latino

  • Asian

  • Unknown

  • Black or African American

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Languages Spoken

  • Spanish

  • Portuguese

  • Polish

  • German

  • Carrier

  • Chinese

  • Vietnamese

  • Japanese

  • French

  • Urdu

  • Hmong

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Top Skills for An Auto Claims Adjuster


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Top Auto Claims Adjuster Skills

  1. Liability Decisions
  2. Total Loss Claims
  3. Outstanding Customer Service
You can check out examples of real life uses of top skills on resumes here:
  • Collected evidence and information to investigate the insured, claimants, & third party carriers to make proper liability decisions.
  • Certified with Allstate Insurance to work as inside adjuster for total loss claims.
  • Provided outstanding customer service in an inbound call center environment.
  • Evaluated property damage and bodily injury claims to determine compensation amount.
  • Handle automobile property damage claims consisting of Collision, Other Than Collision, Property Damage and Uninsured Property Damage features.

Top Auto Claims Adjuster Employers

Auto Claims Adjuster Videos

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