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Potential Total Loss Adjuster

Allstate Insurance
United States
February 21, 2023

The world isn't standing still, and neither is Allstate. We're moving quickly, looking across our businesses and brands and taking bold steps to better serve customers' evolving needs. That's why now is an exciting time to join our team. You'll have opportunities to take risks, challenge the status quo and shape the future for the greater good.

You'll do all this in an environment of excellence and the highest ethical standards - a place where values such as integrity, inclusive diversity and accountability are paramount. We empower every employee to lead, drive change and give back where they work and live. Our people are our greatest strength, and we work as one team in service of our customers and communities.

Everything we do at Allstate is driven by a shared purpose: to protect people from life's uncertainties so they can realize their hopes and dreams. For more than 89 years we've thrived by staying a step ahead of whatever's coming next - to give customers peace of mind no matter what changes they face. We acted with conviction to advocate for seat belts, air bags and graduated driving laws. We help give survivors of domestic violence a voice through financial empowerment. We've been an industry leader in pricing sophistication, telematics, digital photo claims and, more recently, device and identity protection. We are the Good Hands. We don't follow the trends. We set them.

Compensation Data

The compensation for this position begins at $51,600 per year based on experience and qualifications.

Job Summary:

This job is responsible for providing a superior level of customer service and attention to customers who have a vehicle that needs repaired. The individual virtually inspects damage to a vehicle (which may include automobiles, motorcycles, all-terrain vehicles and recreational vehicles), writes damage repair estimates, completes total loss valuations and negotiates moderately complex and occasionally complex settlements with repair facilities, tow yards, customers, and estimates repair times for rental/loss of use. The individual works independently, prioritizes the individual's own responsibilities, and manages the individual's own workload and is responsible for explaining coverage, estimates, claims, settlement, and rental processes to agents and/or customers.

Key Responsibilities:
  • Investigates moderately complex and occasionally complex files, reviews damage, takes photos, and determines reparability or total loss through virtual inspections
  • Prepares damage estimates or valuation for moderately complex and occasionally complex claims and locates parts
  • Conditions vehicles, prepares report for customer and determines valuation of salvage
  • Initiates payments (QCP, Fast Mobile Epay, etc.) and pays appropriate parties
  • Negotiates and settles moderately complex and occasionally complex claims in accordance with business unit best practices
  • Documents a claim file with notes, evaluations and decision making process
  • Reviews the Triage Tool and partners with the Good Hands Repair Network for vehicles that may be potential total losses, and determines reparability and if repairs can be settled rapidly
  • Makes and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met
  • Evaluates diminished value in a moderately complex and occasionally complex claim
  • Responds to moderately complex and occasionally complex arbitrations contentions
Supervisory Responsibilities:
This job does not have supervisory duties.
Education and Experience:
  • High School Diploma/GED required (Bachelor's Degree preferred).
  • Minimum 18-24 months of Auto Technical Estimating/Insurance Estimating experience required.
Certificates, Licenses, Registrations:
  • Has and maintains all appropriate licenses and registrations for the role per organizational or state requirements
Functional Skills:
  • This role may be virtual and the adjuster will work claims from the Virtual Triage Tool leveraging the use of the Virtual Assist application
  • Ability to interact effectively, and coach others on interacting effectively, with internal or external customers and act with empathy
  • Applies general and occasionally broad knowledge of insurance policy, coverage, and regulation
  • Applies general and occasionally broad knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standards
  • Applies general and occasionally broad knowledge of analytical procedures to reconcile, manipulate, and recognize patterns of data
  • Applies general and occasionally broad conflict management and problem resolution skills in managing internal and external customer relationships
  • Ability to investigate, evaluate, negotiate and settle moderately complex and occasionally complex claims
  • Provides individual decision making within authority limits
  • Applies general and occasionally broad negotiation and/or arbitration skills
The preceding description is not designed to be a complete list of all duties and responsibilities. May be required to perform other related duties as assigned. Regular, predictable attendance is an essential function of this job.

Good Work. Good Life. Good Hands.

As a Fortune 100 company and industry leader, we provide a competitive salary - but that's 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, you'll have access to a wide variety of programs to help you balance your work and personal life -- including a generous paid time off policy.

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