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Auto Liability Adjuster (non-injury)

Job Details

Iowa - West Des Moines, IA
Fully Remote
2 Year Degree
Minimal Travel (On Occasion)


Midwest Family Mutual Insurance Company is seeking an Auto Total Loss Claim Adjuster. Applicants should have at least 2 years of experience handling auto claims in multiple jurisdictions.

The adjuster’s role is to investigate and determine coverage on losses and to pay covered claims promptly and fairly.   Tasks include taking recorded statements, researching policy language and applicable legal statutes, identifying and establishing appropriate reserves, and settling covered claims promptly and fairly.  The adjuster must be an effective communicator and is expected to provide superior customer service in interactions with agents, policyholders, and other parties involved in the claim handling process.

Job Duties

  • In-depth understanding of Personal and Commercial auto insurance policy coverages and applications
  • Investigate claims, including taking recorded statements, and determine liability to effect claim resolution.
  • Strong customer service and conflict resolution capabilities
  • Ability to effectively manage and coordinate multiple party involvement to ensure smooth claim process
  • Strong negotiation skills to effect prompt and fair claim settlements
  • Basic knowledge of automobiles and ability to read and understand repair estimates
  • Ability to think “outside the box” and demonstrate problem solving skills
  • Strong computer skills are necessary to effectively operate in the paperless Claims Management System
  • Excellent verbal and written communication skills are required. Must be able to operate Microsoft Office, specifically Word, and have at least a rudimentary knowledge of Excel.
  • Must be able to prepare and present thoughtful and detailed reports.
  • Must be able to organize a workload that involves heavy communication via written correspondence, email, and telephone.
  • Ability to navigate changing legal statutes and policy conditions across a number of States
  • Continuing education to maintain state-specific licensing requirements
  • Ability to effectively prioritize and execute tasks in a high-pressure environment
  • Ability to absorb and adapt to changing technologies in the work environment


Position Requirements

  • Preferred Formal Education:
  • College degree
  • AIC, CPCU or other Insurance-related designation
  • At least 2 years equivalent work experience in Auto Claims Adjusting


  • Knowledge & Experience
  • Excellent analytical and critical thinking skills
  • Excellent communication skills, both verbal and written
  • MS office experience, specifically Word and Excel.
  • Strong organizational skills
  • Ability to work effectively and efficiently in a work-from-home environment.
  • Multi-State adjusting experience is a plus

Work conditions

  • Midwest Family is a work from home environment.  Applicant must have sufficient space for an at-home office and high-speed internet is a requirement.
  • Ability to work a 40-hour week, 8 hour days, 5 days per week, with potential overtime during periods of heavy claim volume
  • This is a sedentary position, in which the adjuster is at a computer desk typing and working the telephone regularly for the bulk of the working day
  • This position requires dexterity of hands and fingers to operate a computer keyboard, mouse, telephone, and other devices.
  • Applicant must be physically able to travel when necessary and participate in training sessions, presentations, and meetings.


Other Functions

  •  Regular and reliable attendance.
  •  Ability to work as part of a team.
  •  Perform other duties as may be assigned.
  •  Responsible for complying with proper internal controls as necessary to conduct job functions and/or carry out responsibilities and/or administrative activities at the   Company.


Midwest Family Mutual offers a competitive salary along with an excellent benefits package that includes Medical, Dental, Vision, Health Reimbursement, Flexible Spending, Short Term and Long Term Disability, Life Insurance, 401(K), Roth 401K, and Pension Plan.