Auto Physical Damage Adjuster - Rental Vehicle Claims

About the role

The APD Adjuster investigates and settles physical damage claims arising from rental vehicle accidents, including damage to the rental unit, third-party vehicles, and property. You determine coverage, liability and value, then close each file quickly, fairly and with clear documentation.

Who you are

• Excited about building a tech-driven claims organization
• Passionate about the customer experience
• You're empathetic and patient with everyone you interact with
• Driven by a sense of urgency (without working around the clock)
• Creative in finding the right resolution that serves the insured's best interest
• You're comfortable with conflict—see it as conversational, not adversarial
• Curious about the whole story so you can make the right decisions early
• Anti-status quo—you don't just wish things were different, you make them different
• A strong communicator
• You have a sense of humor (claims are hard enough as it is!)

What you'll do

• Open, investigate and manage a caseload of APD claims from first notice of loss to closure.
• Detailed coverage analysis, risk shifting, and policy investigation.
• Review rental agreements and program terms to confirm coverage, exclusions and deductibles.
• Contact renters, claimants, body shops and appraisers within required timeframes; take recorded or written statements.
• Evaluate damage through estimates, photos and appraisals; negotiate repair and total loss settlements.
• Determine liability and apportion fault using police reports, statements and physical evidence.
• Handle loss of use, towing, storage, diminished value and related expense claims.
• Identify subrogation and recovery opportunities and refer them with complete supporting documents.
• Flag potential fraud, injury exposure or litigation risk and escalate to the right adjuster or lead.
• Keep timely, accurate file notes and reserves; meet carrier and program service standards.
• Follow state regulations and client handling instructions on every file.

Qualifications

• 3-5 years of auto physical damage or commercial auto claims experience.
• Working knowledge of vehicle repair, estimating and total loss valuation.
• Strong negotiation, written communication and time-management skills.
• Comfort with a high-volume, deadline-driven caseload and a claims system such as Glance or similar.
• High school diploma required; bachelor’s degree or AIC/CPCU progress preferred.
• Active adjuster license: resident-state license where available, otherwise a Designated Home State (DHS) license. Willing to obtain any additional required licenses within 60 days, including state testing.

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 after 8 months of continuous work
• 100% remote (home-based) role designed to support 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!

Additionally, we will

• 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!