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Auto Physical Damage Adjuster Jobs (NOW HIRING)

USAA

Sr. Claims Auto Adjuster

Tampa, FL · On-site

$46K - $61K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Opportunity As a Senior Auto Adjuster your work will focus on adjusting non-injury auto claims ... Investigates to determine coverage, liability, and physical damage including total loss settlements ...

Geico

Auto Damage Adjuster

Fairfax, VA

$36.63 - $46.80/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Your Impact at GEICO As an Auto Damage Adjuster,you'll guide customers through complex claims with reassurance and solutions that make a difference in our customers' lives when they need us the most ...

NYCM

Auto Physical Damage Examiner (Hybrid)

Sherburne, NY · On-site

$44K - $69K/yr

The Auto Physical Damage Examiner manages the auto claim process, including customer experience, coverage verification, investigation, evaluation, and disposition of the claim in compliance with ...

AlphaStaffHCM

Senior Auto Claims Adjuster

Phoenix, AZ · Hybrid

$54K - $92K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Investigates to determine coverage, liability, and physical damage including total loss settlements for highly complex auto claims. * Negotiates liability for comparative negligence (claimant or ...

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All JobsAuto Physical Damage Adjuster Jobs

Auto Physical Damage Adjuster information

See salary details

$11K

$101.5K

How much do auto physical damage adjuster jobs pay per year?

As of Aug 14, 2026, the average yearly pay for auto physical damage adjuster in the United States is $100,000.00, according to ZipRecruiter salary data. Most workers in this role earn between $100,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What does an auto physical damage adjuster do?

An Auto Physical Damage Adjuster is responsible for investigating and assessing auto insurance claims related to vehicle damage. They inspect vehicles, determine the extent of damages, estimate repair costs, and negotiate settlements with repair shops and claimants. Their goal is to ensure that claims are settled fairly and efficiently, while adhering to company policies and insurance laws. They often work both in the field and in office settings, using specialized software to document their findings.

What are the key skills and qualifications needed to thrive as an auto physical damage adjuster?

To thrive as an Auto Physical Damage Adjuster, you need strong knowledge of automotive repair, claims investigation, and insurance principles, typically supported by a relevant degree or experience in insurance or auto body repair. Familiarity with estimating software like CCC ONE, Mitchell, or Audatex, as well as a valid adjuster’s license (in some states), is essential. Excellent negotiation, customer service, and problem-solving skills help you effectively manage claims and communicate with policyholders, repair shops, and other stakeholders. These skills and qualifications ensure accurate claim assessments, customer satisfaction, and efficient claims resolution.

What is the difference between Auto Physical Damage Adjuster vs Auto Claims Adjuster?

AspectAuto Physical Damage AdjusterAuto Claims Adjuster
CertificationsInsurance adjuster license, possibly I-CAR certificationInsurance adjuster license, sometimes I-CAR certification
Work EnvironmentCollision repair shops, insurance companies, field or desk workInsurance companies, field or desk work, customer interactions
Job FocusAssessing vehicle damage, estimating repair costsEvaluating insurance claims, determining coverage and payouts

Auto Physical Damage Adjusters primarily focus on inspecting vehicle damage and estimating repair costs, often working directly with repair shops. Auto Claims Adjusters handle broader insurance claims, including assessing coverage and processing payouts. While both roles require similar certifications and may work in overlapping environments, their core responsibilities differ: damage assessment versus claims evaluation.

What are some common challenges auto physical damage adjusters face when handling claims, and how can they effectively manage them?

Auto Physical Damage Adjusters often encounter challenges such as accurately assessing vehicle damage, managing high caseloads, and handling difficult customer interactions. To manage these effectively, adjusters need strong organizational skills to prioritize their workload, attention to detail when inspecting damages, and excellent communication abilities to explain findings and next steps to policyholders. Building good relationships with repair shops and staying updated on the latest vehicle technologies also helps ensure fair and thorough claim resolutions.
More about Auto Physical Damage Adjuster jobs

What job categories do people searching Auto Physical Damage Adjuster jobs look for?

The top searched job categories for Auto Physical Damage Adjuster jobs are:

Auto Physical Damage Adjuster jobs near you
Infographic showing various Auto Physical Damage Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 75% Full Time, 19% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $100,000 per year, or $48.1 per hour.

Sr. Claims Auto Adjuster

USAA

Tampa, FL • On-site

$46K - $61K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 28 days ago

USAA rating

8.2

Company rating: 8.2 out of 10

Based on 262 frontline employees who took The Breakroom Quiz

51st of 171 rated banks

Job description

Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.
We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.
The Opportunity
As a Senior Auto Adjuster your work will focus on adjusting non-injury auto claims. You will investigate and determine coverage and liability, evaluate, negotiate, and settle highly complex auto claims such as comprehensive (i.e., theft and fire), collision (i.e., minimal policy limits, coverage determinations/issues, attorney representation, non-owned vehicles, mechanical breakdown, property damage lawsuits) property damage liability, and rental vehicle coverages for repairable vehicles and total losses.
What you'll do:
  • Investigates to determine coverage, liability, and physical damage including total loss settlements for highly complex auto claims.
  • Negotiates liability for comparative negligence (claimant or adverse carrier).
  • Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate.
  • Interacts with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability.
  • Analyzes information obtained to establish compliance for regulatory requirements and settlement value.
  • Evaluates and negotiates settlement of automobile first and third-party physical damage claims within established settlement authority limits and negotiates any excessive storage charges.
  • Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.
  • Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions.
  • Collaborates and sets expectations with external and internal business partners to facilitate claims resolution.
  • Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.
  • Applies proficient knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures.
  • May serve as an informal resource for team members.
  • Applies proficient knowledge of Auto Physical Damage to adjust claims.
  • Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
  • May be assigned CAT deployment travel with minimal notice during designated CATs.
  • Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Experiences that will support your success:
  • 2 years of customer service experience.
  • 1 year of experience handling low to moderately complex auto non injury liability claims.
  • Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
  • Experience determining auto liability coverage.
  • Proficient knowledge and understanding of the auto claims contract as well as application of case law and state laws and regulations.
  • Demonstrated negotiation, investigation, communication, and conflict resolution skills.
  • Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills.
  • Ability to organize, analyze, and effectively determine risk and appropriate response.
  • Successful completion of a job-related assessment may be required.

What sets you apart:
  • 1 to 2 years recent multi-vehicle claims liability to include comparative negligence.
  • Contract Interpretation experience: Liability & Physical Damage Coverage and Uninsured/Underinsured Motorists Property Damage.
  • Dispute resolution experience: Liability Investigation/Comparative Negligence, Unrelated Prior Vehicle Damages, Total Loss Valuation/Negotiation, Non-Owned Vehicles/Rideshare/Permissive Driver, Exceeding Coverage Limits.
  • Arbitration/Subrogation knowledge.
  • Guidewire Claims Center experience.
  • Bachelor's degree.
  • Active Adjuster's License.
  • US military experience through military service or a military spouse/domestic partner.

Compensation range: The salary range for this position is: $54,550 - $74,000.
"Licensed positions require a background check, that includes criminal history, education, employment verification, and a credit check consistent with applicable laws."
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.
For more details on our outstanding benefits, visit our benefits page on USAAjobs.com
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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