Claims Adjuster, APD (AV)

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike. We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you.

Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.

• 2–4+ years of auto physical damage or commercial auto claims experience
• Working knowledge of estimating platforms, ADAS calibration, and total-loss valuation
• Comfort reading event data, dash-camera video, and operator incident reports
• Bachelor's degree or equivalent claims experience
• Active adjuster license(s) as required by the states handled, or ability to obtain within 90 days of hire
• Proficiency in the claims system, document management, and Microsoft Office
• Clear written and verbal communication with claimants, counsel, carriers, and client partners

The AV APD Adjuster resolves first-party and third-party vehicle damage and property damage claims involving autonomous and driver-assist vehicles. The role moves quickly on repairable and total-loss files, and applies extra care to sensor, camera, and software-dependent components that traditional appraisal does not cover.

• →Investigate and decide coverage, liability, and damages on assigned APD and property damage claims, using vehicle data and video to confirm whether the system or a human was in control
• →Direct inspections and repairs, including calibration of cameras, lidar, radar, and other driver-assistance or automated-driving hardware after a loss
• →Evaluate total-loss versus repair, valuation, salvage, and rental or loss-of-use exposure for specialty and purpose-built vehicles
• →Preserve vehicle data before repair or release, and coordinate access with the operator or manufacturer
• →Identify and refer subrogation and recovery opportunities, including against manufacturers, suppliers, and other operators
• →Negotiate with repair facilities, body shops, and third-party carriers; control severity and cycle time
• →Flag potential bodily injury, litigation, or regulatory-reporting exposure to the BI adjuster, litigation adjuster, or Team Lead within the same day
• →Keep reserves current and file notes complete and audit-ready

• Detailed understanding of the SAE J3016 levels of driving automation (Levels 0–5), including the difference between driver-assist (Levels 0–2) and driverless (Levels 3–5) systems, and how each level shifts responsibility between the human, the system, and the operator
• Determine who or what was in control at the time of loss: human driver, driver-assist feature, or automated driving system
• Request, preserve, and read AV evidence: telematics, event data, camera and sensor footage, remote-assistance logs, and software version
• Apply coverage, liability, and damages analysis across fleet-operator, manufacturer, supplier, and third-party exposures
• Work with AV operator safety, legal, and risk teams under tight response timelines
• Meet federal and state crash-reporting, privacy, and data-handling requirements for AV incidents
• Document files so a supervisor, carrier, or auditor can follow the liability decision

• 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!