Auto Physical Damage Claims Adjuster

About this role

About the role The APD Adjuster investigates and settles physical damage claims arising from rental vehicle accidents, including damage to the rental unit, third-party vehicles, and property. You determine coverage, liability and value, then close each file quickly, fairly and with clear documentation. Who you are Excited about building a tech-driven claims organization Passionate about the customer experience You're empathetic and patient with everyone you interact with Driven by a sense of urgency (without working around the clock) Creative in finding the right resolution that serves the insured's best interest You're comfortable with conflict—see it as conversational, not adversarial Curious about the whole story so you can make the right decisions early Anti-status quo—you don't just wish things were different, you make them different A strong communicator You have a sense of humor (claims are hard enough as it is!) What you'll do Open, investigate and manage a caseload of APD claims from first notice of loss to closure.

Detailed coverage analysis, risk shifting, and policy investigation. Review rental agreements and program terms to confirm coverage, exclusions and deductibles. Contact renters, claimants, body shops and appraisers within required timeframes; take recorded or written statements. Evaluate damage through estimates, photos and appraisals; negotiate repair and total loss settlements. Determine liability and apportion fault using police reports, statements and physical evidence.

Handle loss of use, towing, storage, diminished value and related expense claims. Identify subrogation and recovery opportunities and refer them with complete supporting documents. Flag potential fraud, injury exposure or litigation risk and escalate to the right adjuster or lead. Keep timely, accurate file notes and reserves; meet carrier and program service standards. Follow state regulations and client handling instructions on every file.

Qualifications 3-5 years of auto physical damage or commercial auto claims experience. Working knowledge of vehicle repair, estimating and total loss valuation. Strong negotiation, written communication and time-management skills. Comfort with a high-volume, deadline-driven caseload and a claims system such as Glance or similar. High school diploma required; bachelor’s degree or AIC/CPCU progress preferred. Active adjuster license: resident-state license where available, otherwise a Designated Home State (DHS) license.