Auto Claim Representative - Alpharetta, GA

MSCCN; Alpharetta (GA); On-site; USD 55,000 - 91,000; Full time

Job summary

Travelers seeks an experienced Auto Damage Claims Associate to handle low-to-moderate Personal and Business Auto claims from notice to close. You will assess coverage, investigate liability, and manage reserves while maintaining quality standards.

The role requires a Bachelor's degree and strong communication skills, with licensing as needed. Work involves regulatory compliance and multi-state considerations within a busy environment.

Qualifications

• Bachelor's degree required.
• Experience in auto claims handling preferred.
• Proven ownership attitude and customer-centric mindset.
• Strong verbal and written communication skills; intermediate level.

Responsibilities

• Provide consistent service throughout the claim lifecycle.
• Analyze coverage and apply policy terms for Auto Damage claims.
• Investigate facts to determine coverage and liability.
• Establish and maintain claim reserves.
• Negotiate settlements within authority limits.
• Maintain compliance with quality standards and state regulations.

Skills

Customer centric

Ownership attitude

Communication skills

Analytical thinking

Negotiation

Attention to detail

Education

Bachelor's degree

Tools

Excel

Word

Job description

ATTENTION MILITARY AFFILIATED JOB SEEKERS

Our organization works with partner companies to source qualified talent for their open roles. The following position is available to Veterans, Transitioning Military, National Guard and Reserve Members, Military Spouses, Wounded Warriors, and their Caregivers. If you have the required skill set, education requirements, and experience

Who Are We?

Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.

Job Category

Claim

Compensation Overview

The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards.

Salary Range

$55,200.00 - $91,100.00

Target Openings

1

What Is the Opportunity?

This position is responsible for handling low to moderate Personal and Business Insurance Auto Damage claims from the first notice of loss through resolution/settlement and payment process. This may include applying laws and statutes for multiple state jurisdictions. Claim types include multi-vehicle (2 or more cars) auto damage with unclear liability and no injuries. Will also handle more complex Auto Damage claims such as non-owned vehicles, fire/theft, and potential fraud as well as non-auto, property related damage. 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.

What Will You Do?

• 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. Fulfills specific service commitments made to certain accounts, as outlined in Special Account Communication (SAC).

• Coverage Analysis:

  Reviews and analyzes coverage and applies policy conditions, provisions, exclusions and endorsements for Auto Damage only claims in assigned jurisdictions. Addresses proper application of any deductibles and verifies benefits available and coverage limits that will apply. Confirms priority of coverage (i.e. primary, secondary, concurrent) and takes into consideration other issues relevant to the jurisdiction.

• Investigation/Evaluation:

  Investigates each claim to obtain relevant facts necessary to determine coverage, causation, extent of liability/establishment of negligence, damages, contribution potential and exposure with respect to the various coverages provided through prompt contact with appropriate parties (e.g.. policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, etc.) Takes recorded statements as necessary.

• 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, negotiates and conveys claim settlements within authority limits to insureds and claimants. As appropriate, writes denial letters, Reservation of Rights 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.

• Perform other duties as assigned.

Additional Qualifications/Responsibilities

What Will Our Ideal Candidate Have?

• Bachelor's degree.
• 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- Intermediate.
• Judgment/Decision Making- Intermediate.
• Negotiation- Intermediate.
• Insurance Contract Knowledge-.
• Basic.
• Principles of Investigation- Intermediate.
• Value Determination- Basic.
• Settlement Techniques- Basic.

What is a Must Have?

• High School Diploma or GED.
• One year previous Auto claim handling experience or successful completion of Travelers Auto Claim Representative training program.