Job Description

What Is the Opportunity?

A Career is waiting for you at Travelers!

New Hire Bonus after 30 days – Milestone Bonus after 4 months – Join our Team as an Entry Level Auto Claim Representative today!

By joining the Travelers Team as an Auto Claim Representative, you can look forward to a new hire bonus of $2,000 payable at or around 30 days from your date of hire. Additionally, in recognition of successful completion of training you will also be eligible for a milestone bonus of $1,500 at or around 4 months from your date of hire. That’s an additional $3,500!

The Auto Claim Representative is responsible for handling low complexity predominately Personal Insurance Auto Damage claims from the first notice of loss through resolution/settlement and payment process. This includes applying laws and statutes for multiple state jurisdictions. Claim types include single and two vehicle auto damage with clear liability and no injuries. May also include non-auto, property related damage. Claims do not involve more complex Auto Damage such as non-owned vehicles, fire/theft, and potential fraud. The Auto Claim Representative provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation, and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations.

We are seeking candidates that are local to one of our Claim Centers within Eastern Time. Those include the following:
NY-Albany – NY-Buffalo – NY-Melville- PA-Blue Bell – PA-Wyomissing – PA-Pittsburgh – OH-Cleveland – IN-Indianapolis — NJ-Morristown — MD- Hunt Valley

Following training, the schedule for this position is 11:00 a.m.-8:00 p.m. Eastern Time, either Sunday-Thursday or Tuesday-Saturday. Due to this being a 2nd shift schedule, this position is a work-from-home opportunity.

Your first 3-4 months will consist of paid training where the schedule will be 8:00 a.m.-5:00 p.m. Eastern Time, Monday-Friday. Once training is complete, you will begin working the 2nd shift schedule.

As part of the hiring process, this position requires the completion of an online pre-employment assessment. Further information regarding the assessment including an accommodation process, if needed, will be provided at such time as your candidacy is deemed appropriate for further consideration.

Primary Job Duties & Responsibilities

Customer Contacts/Experience:

Delivers consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going communication, follows-through and meeting commitments to achieve optimal outcome on every file.

Coverage Analysis:

Reviews and analyzes low complexity coverage and applies policy conditions, provisions, exclusions and endorsements for Auto Damage only claims in multiple state jurisdictions. Addresses proper application of any deductibles and verifies benefits available and coverage limits that will apply.

Investigation/Evaluation:

Investigates each claim to obtain relevant facts necessary to determine coverage, causation/damages, confirm liability (0% or 100%) and exposure with respect to the various coverages provided through prompt contact with appropriate parties (e.g., policyholders, claimants, witnesses, agents, etc.).
Recognizes and requests appropriate inspection type based on the details of the loss and coordinate the appraisal process. Maintains oversight of the repair process and ensures appropriate expense handling.
Refers claims beyond authority as appropriate based on exposure and established guidelines. Recognizes and forwards appropriate files to subject matter experts (i.e., Subrogation, Property, Adverse Subrogation, etc.).

Reserving:

Establishes timely and maintains appropriate claim and expense reserves. Manages file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities to resolve claim in a timely manner.

Negotiation/Resolution:

Determines settlement amounts based upon appraisal estimate and application of applicable limits and deductibles. Conveys claim settlements within authority limits to insureds and claimants. As appropriate, writes denial letters and other necessary correspondence to insureds and claimants.

Insurance License:

In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.

Minimum Qualifications

High School Diploma or GED and one year of customer service experience OR Bachelors Degree required.

Education, Work Experience, & Knowledge

Bachelor’s degree preferred.

Job Specific Technical Skills & Competencies

Demonstrated ownership attitude and customer centric response to all assigned tasks
Ability to work in a high volume, fast paced environment managing multiple priorities
Attention to detail ensuring accuracy
Keyboard skills and Windows proficiency, including Excel and Word – Intermediate
Verbal and written communication skills -Intermediate
Analytical Thinking – Basic
Judgment/Decision Making – Basic
Negotiation – Basic
Insurance Contract Knowledge – Basic
Principles of Investigation – Basic
Value Determination – Basic
Settlement Techniques – Basic

Environmental / Work Schedules / Other

Travel Requirements: Travel Occasionally