Auto Claims Adjuster Job Description [Updated for 2025]

In the fast-paced world of auto insurance, the role of auto claims adjusters has never been more critical.

As the number of vehicles on the road increases, so does the demand for skilled professionals who can effectively manage, evaluate, and resolve auto claims.

But what does it really mean to be an auto claims adjuster?

Whether you are:

• A job seeker trying to understand the intricacies of this role,
• A hiring manager looking to define the perfect candidate,
• Or simply curious about the ins and outs of auto claims adjusting,

You’ve come to the right place.

Today, we present a customizable auto claims adjuster job description template, created for effortless posting on job boards or career sites.

Let’s dive right in.

Auto Claims Adjuster Duties and Responsibilities

Auto Claims Adjusters handle, investigate, and resolve customers’ auto insurance claims.

They work to provide fair and efficient claims service to policy holders.

The primary duties and responsibilities of Auto Claims Adjusters include:

• Reviewing and analyzing insurance policy terms to determine whether a claim is covered
• Investigating and assessing vehicle damage to determine the cost of repair for insurance claim settlement
• Interviewing claimants and witnesses to gather pertinent information about the claim
• Collecting and documenting all information related to the claim including details of the accident, photographs of the damage, police reports, and medical records
• Negotiating with claimants or their representatives to settle claims
• Collaborating with legal counsel in case of legal action on a claim
• Maintaining accurate and organized claim files and following up on pending claims
• Communicating with claimants, insurance agents, and other involved parties throughout the claim process
• Staying updated with latest developments in auto repair, insurance, and claims adjustment techniques

 

Auto Claims Adjuster Job Description Template

Job Brief

We are seeking a skilled Auto Claims Adjuster to handle the investigation, evaluation, negotiation and resolution of assigned auto claims.

The Auto Claims Adjuster’s responsibilities include verifying insurance coverage, evaluating damages, negotiating settlements and maintaining accurate records.

Our ideal candidate has a strong attention to detail, excellent customer service skills, and a background in auto claims or a related field.

 

Responsibilities

• Investigate, evaluate, negotiate and resolve assigned auto claims
• Analyze documentation and physical damage evidence
• Identify potential suspicious claims and refer to the appropriate specialists
• Conduct detailed investigations of each claim to determine coverage and liability
• Negotiate claim settlements with claimants in accordance with company guidelines
• Maintain accurate and detailed claim files, notes and records
• Communicate with all parties involved in the claims process
• Ensure timely and cost-effective claim resolution
• Comply with all legal and company regulations and procedures

 

Qualifications

• Proven work experience as an Auto Claims Adjuster or similar role in insurance
• Knowledge of auto insurance policies and coverage
• Strong analytical and negotiation skills
• Excellent customer service and communication skills
• Ability to manage multiple claims and tasks simultaneously
• Proficiency in Microsoft Office Suite
• Insurance Adjuster license (as required by state regulations)

 

Benefits

• 401(k)
• Health insurance
• Dental insurance
• Retirement plan
• Paid time off
• Professional development opportunities

 

Additional Information

• Job Title: Auto Claims Adjuster
• Work Environment: Office setting with options for remote work. Some travel may be required for vehicle inspections or investigations.
• Reporting Structure: Reports to the Auto Claims Manager.
• Salary: Salary is based upon candidate experience and qualifications, as well as market and business considerations.
• Pay Range: $50,000 minimum to $75,000 maximum
• Location: [City, State] (specify the location or indicate if remote)
• Employment Type: Full-time
• Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
• Application Instructions: Please submit your resume and a cover letter outlining your qualifications and experience to [email address or application portal].

 

What Does an Auto Claims Adjuster Do?

An Auto Claims Adjuster, also known as an Auto Insurance Claims Adjuster, works for insurance companies to evaluate and process claims made by policyholders after an automobile accident.

Their primary responsibility is to investigate the details of an accident, including analyzing the damage to the vehicles involved, interviewing witnesses, and reviewing any relevant police reports.

The Auto Claims Adjuster then determines who is at fault in the accident based on the collected evidence and interprets the policyholder’s insurance coverage to decide the claim payout.

They negotiate settlements with the policyholder or their representative, ensuring that the payout aligns with the damage incurred and the terms of the insurance policy.

Additionally, an Auto Claims Adjuster may also coordinate with auto repair shops to estimate the cost of repairs and oversee the repair process to ensure that the claim is handled properly and efficiently.

Their ultimate goal is to facilitate a fair and prompt settlement to all parties involved, while also minimizing any potential financial loss to the insurance company.

 

Auto Claims Adjuster Qualifications and Skills

An effective Auto Claims Adjuster will need to have a range of technical and interpersonal skills, along with a comprehensive knowledge about the insurance industry, such as:

• Negotiation skills to discuss claim settlements with policyholders and other involved parties.
• Comprehensive knowledge about auto insurance policies, regulations, and claim handling procedures.
• Exceptional attention to detail and analytical skills to carefully review and investigate the claims, verifying the validity of the information provided.
• Superior customer service skills to answer policyholder queries, concerns and complaints in a professional and empathetic manner.
• Communication skills to clearly explain complex insurance terms and conditions, claims processes and any decisions made about the claim to the policyholders.
• Time management skills to efficiently handle multiple cases at once, prioritizing tasks based on urgency and importance.
• Problem-solving skills to determine the best course of action when dealing with disputes or complicated claims.
• Technical skills to use claims estimating software and other related computer applications.

 

Auto Claims Adjuster Experience Requirements

Entry-level Auto Claims Adjuster candidates typically need at least 1 to 2 years of experience in the insurance industry or in a related field.

This experience can often be obtained through internships, part-time roles, or post-graduate roles in insurance, customer service, or administration.

Prior experience with auto insurance claims, customer service, negotiation, or damage assessment can be a considerable advantage for those starting out as an Auto Claims Adjuster.

Candidates with more than 3 years of experience are generally expected to have developed a deep understanding of auto insurance policies, claims investigation techniques, and negotiation strategies.

Experience in managing complex or high-value claims can also be a plus.

Those with more than 5 years of experience in claims adjusting may be considered for senior or supervisory roles.

Experience in team management, training, or claims process improvement may be beneficial for these positions.

In addition to work experience, many employers require Auto Claims Adjusters to hold a bachelor’s degree in a related field, like Business or Finance, and some may require professional certification or licensure in insurance adjusting.

 

Auto Claims Adjuster Education and Training Requirements

Auto Claims Adjusters typically require a bachelor’s degree, although it can be in any field.

However, degrees in business, finance or a related field may be considered advantageous.

In addition, certain states may require Auto Claims Adjusters to be licensed.

This often involves passing an exam on the principles of claims adjusting, insurance regulations, and related subjects.

Most employers also require prior experience in insurance, customer service or a related field.

Therefore, internships or part-time positions during college can provide valuable practical experience.

Auto Claims Adjusters need to have a detailed understanding of auto repair and the ability to use claims software.

This is often gained on the job, but there are also relevant courses and certifications available.

Given the constant changes in the insurance industry, ongoing training is typically necessary.

This can be through in-house training programs or external courses.

Although not required, obtaining a designation like the Certified Claims Professional (CCP) may demonstrate a commitment to the profession and an advanced level of knowledge and skills.

Lastly, as much of the role involves negotiation, courses in communication, negotiation or conflict resolution can be beneficial.

 

Auto Claims Adjuster Salary Expectations

An Auto Claims Adjuster earns an average salary of $61,470 (USD) per year.

However, the actual earnings can differ based on factors such as experience, skills, the size and type of the employing insurance company, and the geographical location.

 

Auto Claims Adjuster Job Description FAQs

What skills does an Auto Claims Adjuster need?

An Auto Claims Adjuster should possess excellent communication and negotiation skills.

They need to be analytical to assess claim details and calculate costs accurately.

Attention to detail and good decision-making abilities are also crucial to evaluate each claim meticulously and determine the appropriate amount to be paid.

Knowledge in auto repair and insurance laws and regulations is also beneficial.

 

Do Auto Claims Adjusters need a degree?

While having a degree is not mandatory, most employers prefer candidates with a bachelor’s degree in a related field such as business or finance.

In addition, relevant work experience in the insurance industry or a background in auto repair may also be advantageous.

Auto Claims Adjusters must be licensed in most states, which often requires passing a state-administered exam.

 

What should you look for in an Auto Claims Adjuster resume?

When reviewing an Auto Claims Adjuster resume, check for a combination of relevant education and experience.

Licensing information should be clearly indicated as it is a requirement in most states.

Experience in handling auto insurance claims, knowledge of auto repair, and familiarity with insurance laws and regulations are highly desirable.

Skills such as negotiation, analytical thinking, and communication should also be highlighted.

 

What qualities make a good Auto Claims Adjuster?

A good Auto Claims Adjuster is detailed-oriented, ensuring all aspects of a claim are considered before making a decision.

They should have strong negotiation skills to settle claims efficiently and fair-mindedness to ensure all parties involved in the claim are treated equitably.

Good Auto Claims Adjusters are also able to handle stress, as they often have to deal with people in difficult situations.

 

Is it difficult to hire Auto Claims Adjusters?

Hiring Auto Claims Adjusters can be challenging due to the specific skill set and licensing requirements for the role.

It is also a field that requires ongoing training due to changes in laws and regulations.

Therefore, creating a competitive compensation package and continuous learning opportunities can help attract qualified candidates.

 

Conclusion

And there you have it.

Today, we have revealed the ins and outs of the role of an auto claims adjuster.

Surprised?

It’s not just about assessing damage or understanding policies.

It’s about securing a fair resolution, one claim at a time.

Our handy auto claims adjuster job description template, along with real-world examples, has you all set to make a move.

But why stop there?

Dig deeper with our job description generator. It’s your next step to creating precise job listings or fine-tuning your resume to perfection.

Keep in mind:

Every claim is a part of a larger narrative.

Let’s secure that resolution. Together.

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