Title: Auto Claims Adjuster
Location: hybrid (3 days/week) in one of the following office locations: Dallas, TX (coming soon!), Chicago, IL, Tampa, FL, West Palm Beach, FL, or New York, NY.
Company Overview:
Vault is seeking an experienced and customer-focused Auto Claims Adjuster to join our Claims team. This position will be responsible for investigating, evaluating, negotiating, and resolving automobile physical damage liability and some bodily injury claims while delivering exceptional service to our policyholders, brokers, and business partners. The ideal candidate will possess strong technical claims expertise, sound judgment, and the ability to effectively manage claims through resolution.
This role requires a proactive, detail-oriented professional who can balance thorough investigation, timely decision-making, and superior customer service while handling a high volume of fast-paced auto claims.
This role will be hybrid (3 days/week) in one of the following office locations: Dallas, TX (coming soon!), Chicago, IL, Tampa, FL, West Palm Beach, FL, or New York, NY.
Why Choose Vault:
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46% of our workforce was referred by someone at Vault
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37% growth rate in staff since December 2021
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Our Financial Strength is rated an A- by AM Best
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Rated 4.5 stars based on our customer experience reviews
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Our leaders are respected innovators with decades of insurance expertise
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Vault’s proprietary technology allows for enhanced capabilities, speed, and efficiency
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Leading high-net-worth insurance provider with a foundation in customized solutions
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Comprehensive benefits tailored to your lifestyle
Job Responsibilities:
Claims Management
Handle mostly automobile physical damage and some fast-track to medium-severity bodily injury claims from first notice of loss through final resolution. The position will include some attorney-represented matters and claims involving significant injury exposure. Ensure timely, accurate, and fair claim handling in accordance with company guidelines and industry best practices.
Damage Inspection: Work with external vendors to examine damaged cars, trucks, or motorcycles in the field, at repair shops, or via digital photos to assess the full scope of an accident and vehicle physical damage.
Cost Estimation: Write and review repair estimates for parts and labor using industry standards and external automotive software.
Claim Investigation: Gather police reports, detailed witness statements, and photos to verify the facts of loss and review policy coverage terms and limits.
Settlement Negotiation: Negotiate repair costs and total loss payouts with policyholders, claimants, and auto body repair shops.
Customer Communication: Explain the claims and repair process clearly while providing timely updates to all parties involved.
This position will include some attorney-represented matters and claims involving significant injury exposure. Ensure timely, accurate, and fair claim handling in accordance with company guidelines and industry best practices.
Coverage Analysis
Review and analyze applicable coverage provisions to determine policy applicability and liability exposure. Communicate coverage decisions clearly and professionally to customers, claimants, and business partners.
Investigation & Evaluation
Conduct thorough investigations by obtaining recorded statements and reviewing police reports, medical records, repair estimates, and other relevant documentation. Evaluate liability, causation, damages, and injury exposure to establish appropriate reserves and claim strategies.
Negotiation & Settlement
Negotiate settlements with claimants, attorneys, and other involved parties. Effectively manage claim costs while pursuing fair and equitable claim resolutions.
Risk Assessment & Reporting
Identify and escalate high-exposure claims and emerging issues. Maintain accurate reserve adequacy and provide timely updates to leadership on claim developments and potential exposures.
Collaboration
Partner closely with underwriting, risk management services, customer relations, and legal teams to address claim trends, coverage concerns, and customer experience opportunities. Communicate adverse developments and significant claim activity to leadership as appropriate.
Customer & Broker Relationship
Provide an exceptional claims experience for insureds, claimants, brokers, and agents through proactive communication, empathy, and professional claim handling. Guide customers through the claims process and maintain strong business relationships.
Claims File Management
Ensure complete, accurate, and timely documentation of all claim file activities in compliance with company standards and regulatory requirements. Maintain detailed records of investigations, communications, reserve changes, and settlement discussions.
Preferred Qualifications:
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Bachelor’s degree or equivalent experience.
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8+ years of property claims experience, including significant large-loss and/or HNW exposure.
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Proven experience operating at a General Adjuster or equivalent senior level.
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Advanced expertise in coverage analysis, litigation management, and claim strategy.
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Demonstrated success handling high-severity claims with autonomy and sound judgment.
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Exceptional communication skills with the ability to engage sophisticated stakeholders.
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Strong organizational discipline with the ability to manage complex, high-value inventories.
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Proficiency with Microsoft Office and claims systems.
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Flexibility to adjust schedule based on business and catastrophe demands.
Benefits:
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Flexible Spending Accounts & Health Savings Account, with company contributions
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Company-paid comprehensive life & disability insurance plans
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24/7 Telehealth doctor access, virtual wellness screenings, Employee Assistance Programs
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Company 401k retirement plan with Day 1 eligibility (6% company match, 100% immediate vesting)
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23 PTO days, accrued yearly
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11 paid holidays