Claims Representative, APD Estimating

Clearcover is revolutionizing the industry, putting our customers in the driver's seat. Founded in 2016, Clearcover is built on a simple premise: provide affordable, hassle-free car insurance with one of the industry's fastest claims experiences. We challenge the status quo, redefining what it means to truly put the customer first.

We're rapidly growing and recognized for it! Clearcover has been featured on the Inc. 5000 Fastest Growing Privately Held Companies list and the Deloitte Technology Fast 500™ list, raising over $560 million in funding to date.

We've also been honored on Insurance Business America's Top Insurance Employers list and CNBC's World's Top Insurtech Companies, with Forbes naming us one of America's Best Insurance Companies in 2025.

But what makes Clearcover truly different is our people. We're a team of curious, compassionate problem-solvers who believe that doing right by our customers and each other is just good business.

What will you do?

Claims Representative, Bodily Injury have the important and unique role of helping Clearcover customers during one of the moments that matters most: When they must file an insurance claim. Our Claims Representatives are empathetic, patient people who love connecting with and helping customers. Clearcover Claims Representatives remain calm under pressure, thrive on the challenge of turning frowns upside-down, and have a passion for creating lifelong customer relationships. Going above and beyond for a customer is our standard mode of operation, which has empowered Clearcover to drive customer satisfaction that far exceeds the P&C insurance industry standard.

• Conduct thorough inspections of damaged vehicles to assess the extent of the damage, handling a blended assignment load of original estimates, supplements, and total loss valuations
• Identify and document all visible and hidden damage, including structural, mechanical, and cosmetic issues.
• Proactively communicate with vehicle owners, insurance adjusters, and repair facilities to discuss repair options and estimate details
• Negotiate repair costs and timelines with repair facilities to ensure quality repairs are completed within budget and schedule constraints.
• Review and analyze repair invoices to verify accuracy and compliance with estimate guidelines.
• Provide timely updates to all stakeholders throughout the repair process, including status updates and any changes to the estimate.
• Manage repairs and associated rental expenses to completion in a timely manner.
• Resolve any disputes or discrepancies related to repair costs or claim settlements, including the negotiation of total loss related charges.
• Stay up-to-date on industry trends, repair techniques, and new vehicle technologies.

What do you need?

• Strong technical knowledge of automotive repair processes, including familiarity with mechanical, electrical, and structural components.
• Proficiency in using estimating software such as Mitchell. 
• Excellent communication skills, both verbal and written, with the ability to explain technical concepts to non-technical individuals
• Strong negotiation and problem-solving skills, with the ability to resolve conflicts and reach mutually beneficial agreements

Nice to haves:    

• High school diploma or equivalent; post-secondary education or certification in automotive repair or related field is preferred.    
• 5 years prior experience as an auto damage appraiser, estimator, or in a similar role within the automotive or insurance industry.    
• Active adjuster’s license is required.

Physical Requirements: Prolonged periods of sitting at a desk and working on a computer

But wait, there's more…

As a people-first company, your health and well-being is a priority at Clearcover. We offer comprehensive benefits and perks for all employees:

• Medical: Affordable BCBS plans for you and your dependents. If you select the high deductible health plan, we offer an HRA and contribute to your HSA.
• Dental and Vision: We cover 100% of dental and vision premiums for you and your dependents.
• Pre-tax benefits, disability, and life insurance
• 401(k): We contribute 3%, even if you contribute nothing.
• Generous vacation, 12 paid holidays, and parental leave
• Equity in the company and an annual bonus program
• Employee auto insurance discount (if Clearcover is available in your state)

We're a remote first company, having paved the way for flexible work locations. If you're local or visiting Chicago, you're also welcome to work from our HQ office.

Base Compensation Range: $65,000 – $75,000 (USD) annually

Did you know that women, people of color, people with disabilities, and members of the LGBTQ+ community are statistically less likely to apply for a role if they don't meet 100% of the listed qualifications? Don't let that stop you. We want to hear from you. Apply anyway — we mean it.

Clearcover is an Equal Opportunity Employer (EOE) that welcomes and encourages all applicants to apply regardless of age, race, color, religion, sex, sexual orientation, gender identity and/or expression, national origin, disability, veteran status, marital or parental status, ancestry, citizenship status, pregnancy, or other reasons protected by law.