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Virtual Auto Physical Damage Estimator


We are Farmers!

We are… more than just your favorite commercials. We are a passionate, award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture! We are Farmers!


Do you thrive in a high-volume, fast-paced environment? Do you enjoy the challenge of a position where no two days are alike? We are looking for positive, high-energy professionals who are not just looking for a job, but a meaningful career!

Job Summary

Completes in-person or virtual vehicle inspections on repairable and/or total loss vehicles, establishes damages, and negotiates settlement of claims with customers and repair facilities. Reviews and adjusts estimates from repair facilities, either direct repair or non-direct repair, and subrogation claims. Negotiates settlement and manages rental on assigned claims. Works independently and/or collaboratively with Claim Owners to investigate coverage and liability on a case by case basis. Provides excellent service to internal and external customers. May be assigned as Claim Owner on Tier 1 claims.

Essential Job Functions

Inspects and appraises damaged property and vehicles using claims estimating software and determines claims related damage. Completes auto repair estimates or adjusts repair facility estimates. Manages repair process and adjusts auto repair supplements. Field CR’s will be required to make critical decisions on repair vs replace in addition to total vs repair at all times. Issues payments on site when appropriate. Completes vehicle total loss inspections/valuations. Explains total loss process and settles total loss claims when appropriate. Obtains total loss salvage release from policyholder or claimant and completes field clearing note before assigning to Salvage department, mitigating additional salvage storage costs. Interacts/collaborates directly with policyholders, claimants, agents, repair facilities and attorneys to set appointments, explain damages and the repair process, and set expectations. Effectively collaborates with claim owners for customer interaction and resolution strategy. Appropriate communication with all entities associated with the claim and the repair must be established and maintained at all times to ensure parts are available and ordered on time to keep repair on schedule. Confirms, explains, and applies coverage, assists with rental management, determines and reports on subrogation potential, fraud ind icators, negotiates and issues claim payments. Serves as a mentor to less experienced adjusters, and demonstrates leadership skills in the workplace. Performs applicable administrative tasks (timekeeping, expense reports, etc.). Performs other duties as assigned

Physical Actions

Physical Environment

Education Requirements

High school diploma or equivalent required. Bachelor’s degree preferred or an automotive related Associate of Applied Science degree from an accredited technical college, or the experience described below. Outside insurance education, e.g., CPCU or GCA is preferred.

Experience Requirements

Proficient negotiating skills. Proficient in-person interpersonal and communication skills. Proficient computer skills. 12 months of previous APD estimating experience required or consistent demonstration of technical proficiency. Intermediate knowledge of body and mechanical repair/replace operations. Proficient conflict resolution skills Proficient critical thinking skills Actively pursuing I-CAR Pro designation and other technical education

Special Skill Requirement

Additional Qualification


  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
    o CA Only: $27.42 - $39.66
    o CO Only: $25.69 - $34.28 
    o New York City, NY/Westchester County: $31.73 - $39.66 
    o WA Only:  $27.42 - $36.68 
  • Bonus Opportunity (based on Company and Individual Performance)
  • 401(k)
  • Medical
  • Dental
  • Vision
  • Health Savings and Flexible Spending Accounts
  • Life Insurance
  • Paid Time Off
  • Paid Parental Leave
  • Tuition Assistance
  • For more information, review “What we offer” on


Job Location(s): R_US - RW - Remote Work

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