Insurance Adjuster (Remote)

Total Loss Adjuster, Rideshare
Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike.
We have ambitious (but attainable!) goals and need adjusters who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you.
About the Role
We are seeking a highly organized and customer-focused Rideshare Total Loss Adjuster to join our team in support of a leading rideshare client. In this role, you'll handle total loss claims involving vehicles used in active rideshare service. That includes working with drivers, body shops, salvage vendors, rental providers, and appraisers to deliver fair, fast, and accurate settlements.
You'll be responsible for confirming total losses, validating valuations for high-mileage and commercially used vehicles, and coordinating the recovery process from end to end. Timely communication and efficiency are critical these vehicles are not just insured assets, but sources of livelihood.
You'll also contribute valuable insights to help refine our internal tools and workflows by working directly with product and engineering teams focused on transforming how rideshare claims are handled.
Who You Are

Highly motivated and growth-oriented. You're excited by the prospect of building a tech-driven claims org.
Passionate claim professional who cares about the customer and their experience.
Empathetic. You exercise empathy and patience towards everyone you interact with.
Sense of urgency - at all times. That does not mean working at all hours.
Creative. You can find the right exit ramp (pun intended) for the resolution of the claim that is in the insured's best interest.
Conflict-enjoyer. Conflict does not have to be adversarial, but it HAS to be conversational.
Curious. You have to want to know the whole story so you can make the right decisions early and action them to a prompt resolution.
Anti-status quo. You don't just wish things were done differently, you action on it.
Communicative. (we'd love to know what this means to you)
And did we mention, you have a sense of humor. Claims are hard enough as it is.
What We Need
We need you to do all the things typical to the role:

Provide prompt, courteous and high-quality customer service to all policyholders and claimants by answering customer calls and resolving customer requests
Gather necessary information from customers to successfully adjudicate the claim and explain policy, coverage, and appropriate course of action
Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim
Coordinate with our salvage vendor partners for the movement of damaged vehicles and assist with rental reimbursement
Recognize recovery opportunities in regards to subrogation and salvage, as well as total loss
Ensure compliance with specific state regulations, policy provisions, and standard operating procedures
Negotiating and communicating all total loss settlements per company and state guidelines within approved payment authority
Provide input for continuous development of claims guidelines, best practices, and process improvements
Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim
Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications
Requirements

Bachelor's degree (lack of one should not stop you from applying if you possess all the other qualifications)
Minimum of 3 years of experience on point and concentrated in total loss claims adjusting, ideally with:
Vehicles used for rideshare or commercial purposes
First-party comp and collision
Third-party property damage liability

Active insurance adjuster's license by way of a designated home state, or home state
Willing to obtain all licenses within 60 days, including completing state required testing
Knowledge of state regulations, policy provisions, and standard operating procedures
Commercial experience preferred
Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures
Curious and motivated by problem solving and questioning the status quo
Desire to engage in learning opportunities and continuous professional development
Willingness to travel for client and claims needs
Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy
• Work from anywhere to facilitate your work life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
Work toward reducing and eliminating all the administrative work from an adjuster role
Foster a culture of empathy, transparency, and empowerment in a remote-first environment
At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!