Auto Claims Specialist (Remote)

Selective Insurance; Branchville (NJ); Remote; USD 83,000 - 108,000; Full time

Benefits offered by this job

Health insurance

Retirement plan with company match

Tuition assistance and reimbursement

Job summary

Selective Insurance is seeking an Auto Claims Specialist to handle northeast region claims. This is a remote position, but ideal candidates reside in that area.

The role involves coverage analysis, investigation, evaluation, negotiation, and disposition of auto and general liability claims with emphasis on non-litigated matters. You will ensure claims are processed per policy and company standards while meeting performance expectations.

Qualifications

• Clear verbal and written communication skills.
• Strong time management and organizational skills; negotiation and claim disposition ability.
• Sound judgment and decisive decision-making.
• Self-starter with ability to work independently.
• Moderate proficiency with standard business software.

Responsibilities

• Investigate coverage and liability of claims via calls, letters, and documents; issue coverage letters.
• Evaluate loss extent; assign medical experts as needed; coordinate examinations.
• Handle inquiries from insureds, claimants and agents; interface with underwriters and agents.
• Negotiate and resolve claims within delegated authority; assign counsel if required.
• Maintain claims system updates and recordkeeping; track negligence chargeability.
• Review expenses and approve payments; prepare checks and releases.
• Attend depositions and conferences; recognize fraudulent activity and escalate as needed.
• Document activity and establish reserves; monitor claims through lifecycle.

Skills

Communication

Time management

Negotiation

Decision making

Independence

Software proficiency

Education

College degree preferred

3 years auto claim handling experience

Experience with commercial & personal lines

Bodily Injury experience required

Industry training/designations preferred

Job description

At Selective, we don't just insure uniquely, we employ uniqueness. Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year. Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Overview

Selective Insurance is seeking an Auto Claims Specialist to handle claims in the northeast region. This is a remote position, but the ideal candidate will reside in that area.

The purpose of this position is to provide direct handling of the company's non- litigated and lower-level litigated Auto and/or general liability claims. These claims should not involve any major coverage issues. Position may also handle non-litigated UM/UIM claims. Responsibilities of this position include basic coverage analysis, investigation, evaluation, negotiation, and disposition of assigned claims. The individual in this position will also ensure claims are processed within company policies, procedures, and with the individual's prescribed authority with exceptional standards of performance. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Investigate coverage and liability of claims through telephone, automated correspondence, and/or personal contact with claimants, attorneys, insureds, witnesses, and others having pertinent information. Issue applicable coverage letters.
• Analyze information in order to evaluate assigned claims to determine the extent of loss, taking into consideration contributory or comparative negligence. Assign medical or other experts to case and arrange for medical examinations when necessary.
• Process incoming calls and correspondence from insureds, claimants and agents regarding questions or problems associated with claims. Interact with underwriters and agents on claim resolution.
• Evaluate, negotiate, and resolve claims within delegated authority. Handle general liability and auto liability files from start to finish. Assign appropriate counsel if needed to defend a claim.
• Update claims system on a continual basis to accurately reflect status of each assigned file and to initiate percentage of negligence on the part of the insured to determine "chargeability".
• Receive and approve expenses incurred to investigate, process, and handle a claim.
• Close claim by issuing check or denial and securing appropriate releases. Prepare check requisitions for all loss and expense payments.
• Explore contribution on all claims assigned.
• Prepare for and participate in claims review and settlement conferences.
• Analyze information, including depositions, expert reports, attorney evaluations, and medical reports, gained from discovery during litigation in order to evaluate assigned claims to determine the extent of loss, taking into consideration contributory or comparative negligence. Assign medical or other experts to case and arrange for medical examinations.
• Investigate damages, coverage, and liability related to a claim through telephone, automated correspondence, and/or personal contact with claimants, attorneys, insureds, witnesses, and others having pertinent information. Issue applicable letters based on state regulations and company directives, including coverage and status letters.
• Review and approve expenses incurred to investigate, process, and handle a claim.
• Assign appropriate counsel if needed to defend a claim. Attend/participate in depositions and trials as necessary. Recognize fraudulent claims activity that would be subject to SIU referral in accordance with company guidelines and subsequent referral to law enforcement or regulatory agencies. Document claim activity and maintain control of work through documentation and diary/task system. Establish and continuously review reserves.

Qualifications

Knowledge and Requirements

• Effective verbal and written communication skills.
• Strong time management and organizational skills. Negotiation and claim disposition skills with proven problem-solving ability.
• Strong judgment and decision-making skills.
• Self-starter with ability to work independently.
• Moderate proficiency with standard business-related software.

Education and Experience

• College degree preferred.
• Minimum of three years of auto claim handling experience preferred.
• Experience handling commercial and personal lines.
• Bodily Injury experience is required.
• Industry training/designations preferred.

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Pay Range

USD $83,000.00 - USD $108,000.00 /Yr.

Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

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