CLX Car Advocate, File Owner

Department: Claims Experience

Location: Remote

Employment Type: FullTime

Car Claims Advocate

What youre applying for

Were looking for a Car Claims Advocate to help customers navigate one of the most stressful moments in their lives — a car accident or loss — with clarity, speed, and genuine care. Youll sit within our Claims team, owning auto property damage liability claims from first notice to resolution, and making sure every customer feels heard and fairly treated along the way.

We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These arent buzzwords, theyre how we actually work.

Our AI-first approach isnt just a tagline either. Were building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.

In this role youll

• Investigate and process auto property damage claims — including theft and fire losses — in line with company policy and applicable state and federal laws

• Gather and evaluate police reports, records, and witness statements to determine claim legitimacy and liability

• Interview claimants and witnesses, explaining coverage decisions in plain language without leaning on jargon

• Collaborate with legal counsel and other teams to move complex claims forward quickly and professionally

• Maintain accurate, detailed records of all claim activity to keep things compliant and transparent

• Contribute to team KPIs and continuous improvement — your work directly shapes how customers experience Lemonade

What youll need

• 1+ years of auto property damage claim-handling experience

• Working knowledge of insurance laws and regulations

• Lemonade expects all advocates to hold a license in good standing — if you dont have one yet, well support you in getting licensed within your first 3 months

• Strong analytical and critical thinking skills, with sharp written and verbal communication to match

• Comfort working independently and collaborating closely with a distributed team

• Proficiency with claims management software and Google Workspace

• Bachelors degree in a related field, or equivalent professional experience

• Ability to work in a remote environment

Please note that we are unable to sponsor applicants for work visas.

Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.

Lemonades US base salary range for this full-time position is $51,000 - $58,500 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.

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