Claims - Express Adjuster

Location US-TN-Nashville
Job ID
Claims Adjusting
Regular Full-Time


With the opening of our new Nashville Regional Claims Office, Acceptance Insurance is hiring Express Claims Handlers to ensure great customer service to our existing and future customers. If you want to be part of a growing company, have an interest in a career in auto claims handling and have a focus toward great customer service... Acceptance would like to talk with YOU!


Overview of an Express Claims Handler:

Responsible for investigating and settling vehicle accident claims over the phone and through written correspondence. This level of adjuster will handle claims that require intense coverage or liability investigations. These claims may involve multiple vehicles, excess property damage exposures and first call injury settlements. This position will also serve as a mentor to level I and level II Property Claims Adjusters and may assist in their training and development.


As a Team Member at Acceptance Insurance, you will be part of growing organization that continues to evolve and positively impact the lives of our customers.


Acceptance Insurance offers a full line of benefits including: Health Insurance, Dental, Vision, Paid Vacation, Disability Insurance and Employer Matching 401(k) Program.


Company Overview:

We are principally a retailer, servicer and underwriter of non-standard personal automobile insurance based in Nashville, Tennessee. Our insurance operations actively generate revenues from selling non-standard personal automobile insurance policies and related products in 16 states. We currently conduct our servicing and underwriting operations in 13 states and are licensed as an insurer in 13 additional states.


At March 31, 2017, we leased and operated 355 retail locations and a call center staffed with employee-agents. Our employee agents primarily sell non-standard personal automobile insurance products underwritten by us, as well as certain commissionable ancillary products. In most states, our employee-agents also sell a complementary insurance product providing personal property and liability coverage for renters underwritten by us. In addition, retail locations in some markets offer non-standard personal automobile insurance serviced and underwritten by other third-party insurance carriers for which we receive a commission. In addition to our retail locations, we are able to complete the entire sales process over the phone via our call center or through the internet via our consumer-based website or mobile platform. On a limited basis, we also sell our products through selected retail locations operated by independent agents. 



Learn more:

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 Responsibilities of an Express Claims Adjuster:

  • Evaluate and investigate policy coverage, liability and damages in a timely manner following a set of general claim and statutory guidelines.
  • Assists internal and external customers with problems or questions regarding claims by phone or through written correspondence while providing a high level of customer service.
  • Establish initial reserves for all potential exposures and adjust as appropriate throughout the claim.
  • Investigate and evaluate claims using a lowest ultimate cost strategy.
  • Establish and maintain appropriate diary of open claims following company guidelines.
  • Conduct thorough investigations which can include obtaining necessary documents and forms from claimants and insureds and may include conducting recorded statements.
  • Ensure timely completion of appraisals and determine accident related damages.
  • May need to negotiate timely and appropriate settlements with claimants, insureds and attorneys and issue appropriate payments.
  • Open and process correspondence related to assigned claims.
  • Recognize recovery opportunities in regards subrogation and salvage.
  • May perform other duties as assigned.



Qualifications of an Express Claims Adjuster:

  • 0 – 6 months of property insurance, customer service, underwriting, legal or total loss claims adjusting experience preferred, but will also accept experience in the general service industry.
  • Proficient PC and Windows skills.
  • Effective verbal and written communication, time management, organization and negotiation skills.
  • Customer service orientation.
  • Ability to perform basic math calculations (addition, subtraction, multiplication, and division) as well as the calculation of averages and percentages.


  • High School Diploma or equivalent required.
  • Associates Degree in Business field or equivalent experience preferred.
  • INS or other insurance related courses preferred.


  • Problem Solving:
    • Problems may be identified in which further investigation is required in order to make decisions. May need to seek supervisor guidance in order to resolve difficult and/or unusual claims.
  • Freedom to Act:
    • Specific responsibilities and objectives are assigned with a requirement to set priorities and make decisions, using established policies and procedures. Will have limited authority to make decisions.
  • Degree of Impact:
    • Improper decisions made in this role will result in possible loss of business, increased expenses and potential legal exposure that could put the company in financial risk.


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