Physical Damage Adjuster

As a Physical Damage Adjuster at High Definition Vehicle Insurance (HDVI), your responsibilities will include managing all aspects of first-party and third-party property damage claims related to tractor-trailer accidents, as well as handling cargo claims. You'll work closely with our Claims and Fleet Services Teams, participating in regular claims reviews and providing tactical guidance to achieve world-class claims outcomes. The role requires excellent communication and negotiation skills to influence positive resolutions for internal and external customers.

To qualify for the Physical Damage Adjuster position at High Definition Vehicle Insurance (HDVI), candidates are expected to have 1-2 years of experience in commercial trucking, ideally coupled with an active Adjuster's License. A college education is preferred. Additionally, familiarity with the technical aspects of commercial auto insurance, strong analytical skills, and proficiency in tools like Google Suite and Microsoft Office will help you thrive in this role.

HDVI offers a remote-friendly work environment, where Physical Damage Adjusters can enjoy flexibility while being part of a supportive and collaborative team that values innovation and growth. The company encourages a balance between work and personal life with generous benefits like unlimited PTO and comprehensive health coverage. With a values-driven culture, Wednesdays are meeting-free to allow for focused work, making HDVI an exciting place to advance your career.

High Definition Vehicle Insurance (HDVI) is committed to the professional development of its Physical Damage Adjusters. The role involves staying updated with industry trends and maintaining necessary adjuster licenses. The company values adaptability and encourages team members to continuously enhance their skills, providing opportunities for growth as you contribute to our mission of redefining commercial auto insurance.

Physical Damage Adjusters at High Definition Vehicle Insurance (HDVI) are offered a competitive salary and stock options, reflecting the company’s commitment to shared success. Additional benefits include unlimited PTO, medical, dental, and vision coverage, as well as retirement plans with a company match. We prioritize employee well-being with an inclusive parental leave policy and fun perks like birthday meal reimbursements. Our goal is to support our employees so they can thrive both personally and professionally.

In answering this question, provide specific examples of your experience with commercial trucking claims, highlighting the types of claims you've managed such as physical damage and cargo claims. Discuss the processes you followed, any challenges you faced, and how you ensured adherence to insurance policies while navigating complex cases.

To effectively manage multiple claims, discuss your organizational strategies such as using task management tools or prioritizing claims based on urgency and complexity. Emphasize your experience in maintaining clear communication with clients and your approach to ensuring timely resolutions without compromising the quality of service.

When addressing negotiations, explain your methodology for evaluating claims, supporting your position with facts, and leveraging data to reach fair settlements. Mention the importance of understanding the client’s perspective while still advocating for the company's interests, and how your negotiation skills contribute to satisfactory outcomes.

Demonstrate your proactive approach toward staying informed about insurance policies and regulations. Share methods you utilize such as attending industry conferences, participating in webinars, following relevant news outlets, or engaging with professional networks. This shows your commitment to continuous learning in the field of commercial auto insurance.

In your response, provide a specific example of a challenging claim issue you faced, outlining how you assessed the situation, the steps you took to resolve it, and the outcome. Highlight your problem-solving and analytical skills while demonstrating your ability to work collaboratively with your team or clients.

Discuss your experience with specific claims management software or tools that you’ve utilized in your previous roles. Share how you leveraged technology to streamline your workflow or enhance communication, emphasizing your adaptability with various platforms beneficial for the Physical Damage Adjuster position.

When discussing conflict resolution, explain your approach to active listening and empathy. Describe how you would initiate a respectful dialogue to understand the client’s perspective, provide clear rationale for the decision, and work towards a resolution that maintains a positive relationship while adhering to company policies.

Share your insights into current challenges such as evolving regulations, technological advancements, and the impact of driver behavior on insurance premiums. Discuss how these challenges create opportunities for innovation in the industry and how you believe companies like HDVI can lead the way in overcoming them.

Illustrate your commitment to professional development by sharing how you actively seek learning opportunities, whether through formal education, industry certifications, or informal resources like online courses and professional reading groups. Highlight specific instances where your continued learning has benefited your work.

Speak to what drives your passion for the role of a Physical Damage Adjuster. This could include your desire to help clients navigate challenging situations, your commitment to excellence in claims handling, or your enthusiasm for working within a company like HDVI that prioritizes innovation and customer satisfaction.