Specialty/Commercial Auto Physical Damage Desk Appraiser – Remote

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Job Title

Specialty/Commercial Auto Physical Damage Desk Appraiser – Remote

Requisition Number

R6882 Specialty/Commercial Auto Physical Damage Desk Appraiser – Remote (Open)

Location

Colorado – Home Teleworkers

Additional Locations

Alabama – Home Teleworkers, Alabama – Home Teleworkers, Arizona – Home Teleworkers, Arkansas – Home Teleworkers, Colorado Springs, Colorado, Connecticut – Home Teleworkers, Delaware – Home Teleworker, District of Columbia – Home Teleworkers, Florida – Home Teleworkers, Georgia – Home Teleworkers, Glendale, Arizona, Glendale, Arizona, Henderson, Nevada, Idaho – Home Teleworkers, Illinois – Home Teleworkers, Indiana – Home Teleworkers, Iowa – Home Teleworkers, Kansas – Home Teleworker, Kentucky – Home Teleworkers, Louisiana – Home Teleworkers, Maine Home Teleworkers, Maryland – Home Teleworkers, Massachusetts – Home Teleworkers, Michigan – Home Teleworkers, Minnesota – Home Teleworkers {+ 25 more}

Job Information

We’re Mobilitas, a commercial insurance company created by CSAA Insurance Group. Our mission is to reinvent commercial insurance in the mobility space by providing technologically advanced solutions for today’s way of doing business. At Mobilitas, we believe in what’s possible and we use our inventive skills to meet the demands of modern mobility with tailored solutions. We’re looking for motivated, innovative individuals who think big, move fast and are dedicated to creating a company from the ground up, without the constraints of a traditional insurance company. We’re excited to push the boundaries of commercial insurance and are looking for enthusiastic team members to help us reimagine insurance. We are actively hiring for a Specialty/Commercial Auto Physical Damage Desk Appraiser!

Your Role:

The Specialty/Commercial Auto Physical Damage Desk Appraiser role is a virtual employee who works with significant authority over physical damage assignments of high complexity and of commercial and/or special lines vehicle-type. Incumbent handles multiple cases and claims from first notification through estimating and file closure. This role serves as an expert in all aspects of commercial non-injury related matters including total loss. Incumbent independently evaluates, negotiates, and settles physical damage and total loss claims along with other suffixes (i.e., loss of use, property damage), which includes evaluation and estimating mechanics.

Your work:

• Investigates, evaluates, negotiates, and settles Commercial and physical damage claims.
• Opens claims and obtains required information from insured, claimant, and other involved parties
• Confirms loss details and applicable policy coverage.
• Takes directed first notice of loss on claims in an effort to expedite resolution
• Accurately resolves estimates, ranging from general vehicle to commercial-based vehicles, based on visible damage and supporting documentation.
• Evaluates subrogation demands from adverse carrier.
• Handles pay out to third-party carrier.
• Applies knowledge of estimating standards ranging from minor to high complexity, including commercial and special lines (RVs, MC, Boats, Etc.).
• Handles assignments within authority level requiring independent judgement and negotiations.
• Evaluates repair costs compared to vehicle market value to determine reparability versus total loss.
• Writes original estimates from photographs.
• Prepares repair estimate using expertise, discretion, and judgment for most economical resolution.
• Reviews and negotiates estimates with repair facilities for reasonableness.
• Within settlement authority, employs discretion to approve repairs in alignment with company standard operating procedures.
• Supports subrogation and salvage activities for Commercial, and Personal Lines on non-disputed liability claims
• Explains policy language, provides coverage information, and advises insured as to proper course of action (follow-up, status calls, touch base with the customer).
• Investigates, recognizes higher exposures, and assigns claims obtains a review and authority to resolve those claims.
• Follows timeliness guidelines within standard operating procedures to adjust and conclude claims by issuing payment or reviewing complex repairs with next level appraiser.
• Negotiates settlement of claim with insured, third party and attorneys
• Processes payments appropriately and reviews with supervision beyond authority
• Prepares file for authority review with supervisor or manager
• Reviews and processes supplement(s) to the repair estimate supported by required documentation and has discretion to reject non-related supplements.

Required Experience, Education and Skills

• Possesses demonstrated technical knowledge and skills reflective of successful progression through job family levels, inclusive of auto-body repair practices and procedures for general auto, commercial, and special lines exposures.
• Strong and effective negotiation skills
• Strong analytical, problem-solving, and organizational skills
• Basic math and computer skills along with the technical aptitude to utilize a variety of software applications
• Strong oral and written communication skills
• Ability to work in a flexible, changing environment
• Ability to work independently, be self-motivated and goal-oriented
• Knowledge of auto repair estimates and systems
• Basic math and computer skills with technical ability to utilize a variety of software applications, including Excel, Access, Word, PowerPoint, and Outlook.
• Proficient in utilizing estimating software and systems
• Ability to train back-up staff
• Ability to build and maintain a nation-wide shop/vendor date base
• Ability to interpret policy language and resolve claims coverage questions (CCQs)
• Ability to rate condition, run evaluation and to conclude total losses
• Knowledge of auto repair estimates and systems
• High School (HS)/GED plus 3 years customer service experience in a virtual environment leveraging internet, phone, and chat features in the insurance industry High School (HS)/GED plus 3 years customer service experience in a virtual environment leveraging internet, phone, and chat features in the insurance industry
• 3+ years of claims experience
• 2+ year physical damage and total loss experience
• Must hold an Adjuster licensed for all applicable states or obtain license(s) within 90 days of filling position as a condition of employment

What would make us excited about you?

• 4+ years of claims experience
• 3+ year physical damage experience
• BS/BA or equivalent combination of education and experience Adjusters license, and may be required by state
• College Degree
• Shows respect for differences through excellent communication skills with people from an array of backgrounds.
• Actively shapes our company culture (e.g., participating in employee resource groups, volunteering, etc.)
• Lives into cultural norms (e.g., willing to have cameras when it matters: helping onboard new team members, building relationships, etc.)
• Fulfills business needs, which may include investing extra time, helping other teams, etc.

Mobilitas Careers

At Mobilitas, we’re proudly devoted to protecting our customers, our employees, our communities, and the world at large. We are on a climate journey to continue to do better for our people, our business, and our planet. Taking bold action and leading by example. We are citizens for a changing world, and we continually change to meet it.

Join us if you…

• BELIEVE in a mission focused on building a community of service, rooted in inclusion and belonging.
• COMMIT to being there for our customers and employees.
• CREATE a sense of purpose that serves the greater good through innovation.

Recognition: We offer a total compensation package, performance bonus, 401(k) with a company match, and so much more! Read more about what we offer and what it is like to be a part of our dynamic team at careers.mobilitasinsurance.com

In most cases, you will have the opportunity to choose your preferred working location from the following options when you join us: remote, hybrid, or in-person. Submit your application to be considered. We communicate via email, so check your inbox and/or your spam folder to ensure you don’t miss important updates from us.

If a reasonable accommodation is needed to participate in the job application or interview process, please contact [email protected]

As part of our values, we are committed to supporting inclusion and diversity. We actively celebrate colleagues’ different abilities, sexual orientation, ethnicity, and gender. Everyone is welcome and supported in their development at all stages in their journey with us.

We are always recruiting, retaining, and promoting a diverse mix of colleagues who are representative of the U.S. workforce. The diversity of our team fosters a broad range of ideas

and enables us to design and deliver a wide array of products to meet customers’ evolving needs.

Mobilitas is an equal opportunity employer.

The national average salary range for this position is $68,130 – $75,700. However, we have a location-based compensation structure. Our salary ranges vary and are calculated based on county of residence. The full salary range for this position across all the states we hire in is $61,380 – $90,700. This role also includes an opportunity for a company-wide annual discretionary bonus, through our Annual Incentive Plan (AIP), of up to 8% of eligible pay.

If you apply and are selected to continue in the recruiting process, we will schedule a preliminary call with you to discuss the role and will disclose during that call the available salary/hourly rate range based on your location. Factors used to determine the actual salary offered may include location, experience, or education.

Please note we are hiring for this role remote anywhere in the United States with the exception of Hawaii and Alaska.

Must have the authorization to work indefinitely in the United States.

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