Desk Auto Claims Adjuster

Job Description

Job Description

At Rural Mutual Insurance Company, delivering on our promise to protect Wisconsin families, farms, and businesses is more than our mission, it is our commitment. We are seeking an experienced Desk Auto Claims Adjuster to independently manage moderate-complexity automobile claims. In this role, you are responsible for investigating claims, evaluating liability, handling auto physical damage and total loss claims, negotiating settlements, and delivering fair, timely claim resolutions while ensuring regulatory compliance and excellent customer service.  

You'll enjoy the flexibility of remote work while serving customers across Wisconsin. 

Candidates must live and work in Wisconsin and have eligibility to work in the United States without sponsorship. 

Ready to put your claims expertise to work with a trusted Wisconsin company? Join a supportive team, make a difference for our policyholders, and grow your career with Rural Mutual. Apply today. 

At Rural Mutual, we are dedicated to fostering a supportive and collaborative work environment. We offer a comprehensive compensation package, including health, dental, and vision insurance, a matching 401(k), and generous time off. Our commitment to career growth is unwavering, and we take pride in our A+ AM Best financial strength rating, earning a spot on Ward’s Top 50 Property & Casualty insurance companies in the United States, and recognition as a Madison Magazine Best Place to Work. Rural Mutual is an Equal Opportunity Employer.

$65,000 - $75,000 yearly

• Verify and interpret coverage by reviewing policy language, endorsements, exclusions, and applicable statutes.

• Conduct comprehensive automobile claim investigations, including review of accident reports, recorded statements, photos, estimates, and other supporting documentation.

• Evaluate and determine liability and comparative negligence, applying state laws and company guidelines.

• Assess and resolve auto physical damage claims, including coordination with repair facilities, appraisers, and vendors.

• Manage total loss claims, including valuation review, settlement calculation, and title processing requirements.

• Recognize and evaluate minor injury exposures, including medical payments and limited bodily injury claims within authority.

• Negotiate settlements with insureds, claimants, and attorneys, applying sound judgment and clear communication.

• Establish, monitor, and adjust claim reserves to accurately reflect exposure throughout the claim lifecycle.

• Identify and pursue subrogation and salvage opportunities to support recovery efforts.

• Maintain proactive and professional communication with policyholders, claimants, agents, and internal partners.

• Document all claim activity, decisions, and rationale accurately within the claims management system.

• Collaborate with Underwriting, Legal, SIU, and other departments to support effective claim resolution.

• Participate in quality reviews and maintain productivity, closure, and customer service standards.

• Stay informed of changes in insurance regulations, auto repair trends, and claim handling best practices.

• Maintain compliance with all company policies, procedures, and regulatory standards.

• 3+ years of auto claims handling experience, including experience managing total loss claims.

• Bachelor’s degree in Business Administration, Risk Management & Insurance, or a related field preferred; equivalent experience considered.

• Working knowledge of automobile mechanics, repair processes, and valuation methods.

• Experience evaluating liability and handling minor bodily injury or medical payment exposures preferred.

• Professional designations such as AIC or CPCU preferred but not required.

• Strong analytical and decision-making abilities.

• Effective communication and negotiation skills.

• Excellent organization and attention to detail.

• Ability to manage multiple priorities independently.

• Customer-focused mindset with sound financial judgment.

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees. 

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits. Rural Mutual is an Equal Opportunity employer.