Auto Material Damage Adjuster

Midwest Family Mutual Insurance Company seeks an Auto Material Damage Adjuster to investigate, evaluate, and resolve auto property damage claims. In this role, you will review photos and estimates, determine coverage and liability, negotiate fair settlements, and collaborate closely with independent agents, repair facilities, and policyholders. You'll document claim files thoroughly, follow regulations and company guidelines, and contribute to a respectful, service-driven culture with strong development and growth opportunities.

Responsibilities

• Investigate auto material damage claims from first notice through resolution

• Inspect vehicle damage using photos, estimates, and repair facility documentation

• Analyze policy language to determine coverage, liability, and settlement options

• Prepare and review repair estimates, supplements, and total loss evaluations

• Negotiate settlements with body shops, claimants, and independent agents

• Document claim files thoroughly and maintain accurate, timely records

• Collaborate with agents and internal teams to provide responsive service

• Identify potential fraud indicators and follow special investigation procedures

• Adhere to state regulations, company guidelines, and best claims practices

• Participate in ongoing training and development to maintain technical expertise Required Skills

• Auto physical damage estimating

• Claims investigation

• Policy coverage analysis

• Liability evaluation

• Negotiation and settlement

• Collision repair processes

• Use of estimating software (e.g., CCC, Mitchell, Audatex)

• Documentation and file management

• Knowledge of insurance regulations

• Customer communication