Auto PD Claims Representative - Remote

Preferred Mutual Insurance Company; United States; Hybrid; USD 60,000 - 78,000; Full time

Job summary

Preferred Mutual Insurance Company seeks an Auto Damage Insurance Claim Representative to handle investigations and resolutions of auto property damage claims. Applicants should bring 2+ years of relevant experience and strong communication skills to support the mission and goals of our team.

Benefits

Short-term disability coverage

Generous paid time off

Access to therapy sessions

Qualifications

• 2 or more years of experience in Auto PD Claim processing.
• Progress toward attaining one professional designation preferred (e.g., AIC, CPCU).
• Demonstrated understanding of claim procedures.

Responsibilities

• Investigate and resolve auto PD claims promptly.
• Evaluate files for accurate reserving of claims.
• Manage indemnity and loss expenses efficiently.

Skills

Active listening

Effective communication

Time management

Collaboration

Problem solving

Education

High School Diploma or Equivalent

Bachelor's degree preferred

Tools

Windows

Microsoft Office Suite

Internet-based applications

Job description

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Please note, employment offered to residents in the following states only: Connecticut, Delaware, Massachusetts, Maryland, Maine, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont.

Preferred Benefits

At Preferred, we understand the importance of holistic health. To meet the diverse needs of our employees, we offer a comprehensive set of benefits:

Financial

• Short-term disability, long-term disability, and life insurance coverage are provided at no cost
• Optional benefits include enhanced life insurance and critical illness plans
• 401k plan with an employer contribution that you will receive regardless of your own contribution to the plan
• A cash-balance pension plan
• Student Loan Repayment Assistance
• A short-term incentive plan for all employees
  
  

Social

• Generous paid time off, offering of 25 days at hire (prorated based on start date for the first year)
• 7 days of paid sick leave
• 10 paid company holidays
• Personalized paid time off after 3 years!
  
  

Emotional

• Access to 26 sessions with a BetterHelp therapist each year for you and up to 5 dependents, as well as access to all of BetterHelp’s group and digital resources
• Access to Family First, a team of care experts who can provide you and your loved ones 1:1 assistance with a variety of caregiving solutions, from elder care to legal and financial challenges, insurance and Medicare navigation, and more!
  
  

Physical

• Medical, dental, and vision coverage options begin on the first day of employment
• Health Savings Accounts (with a generous employer contribution!)
  
  

Your Purpose And Function In Our Company

Alleviate the impact of adversity during challenging life events by the prompt investigation and resolution of auto PD claims. Supports and contributes to the Auto PD Claims Department and Company’s missions, visions, values, and goals.

Qualifications

• High School Diploma or Equivalent
• Bachelor's degree preferred
• 2 or more years of experience in Auto PD Claim processing, ideally on the carrier, P&C insurance side
• Progress toward attaining one professional designation preferred (i.e., AIC, CPCU, SCLA).
• Exceptional active listening skills paired with effective oral and written communication skills.
• Make timely, definitive, and fact driven decisions.
• Strong time and project management skills that support continued process improvement.
• Skilled at collaboration, group decision making, problem solving and negotiation. Pursues duties and interactions with integrity.
• Proficient in technology platforms utilized by Preferred Mutual (including but not limited to Windows, Microsoft Office Suite, Outlook, and Internet-based applications).
  
  

Key Capabilities For Success

• Evaluate files for the accurate and timely reserving of claims in accordance with the Preferred Mutual reserving philosophy.
• Appropriately manage indemnity and loss expenses.
• Conduct thorough and timely investigation to determine liability and claim valuation.
• Treat customers in a proactive and responsible manner
• Adjust schedule as needed to accommodate customer needs and/or fluctuations in work volume.
• Leverage technology as a critical component in achieving efficiencies and delivering superior customer service.
• Handle claims of moderate severity and complexity, with authority up to $45,000
• Display an understanding of avenues of contribution and recovery by third parties and takes appropriate action when necessary.
• Resolve claims promptly and fairly in a manner that is reflective of coverage, liability, and damages.
• Demonstrate an understanding of claim procedures and file administration for proper file documentation and claim reporting.
• Demonstrate an understanding of products and coverages offered by Preferred Mutual;
• Meet file quality standards as determined by internal and external audits.
• Maintain workload in accordance with Key Performance Driver standards.
• Develop an understanding of fraud indicators.
• Recognize Key data points within the claim management and other systems and utilizes the data to make informed decisions and reach better claim resolutions.
  
  

Functional Area Responsibilities

• Handles low to moderately complex losses, including liability exposures, with a focus on soundness and promptness of coverage and liability investigation and verification
• Demonstrates independent and effective analysis and decision making when a scenario is not new
• Demonstrate a developed understanding of the policies with an ability to identify coverage concerns & red flags independently
• Researches then seeks help when a situation is new or complex
• Displays a high quality of damages verification and negotiation; subrogation investigation and preservation
• Demonstrates soundness and timeliness of liability and coverage denials
• Displays effective expense management and accurate file reserving
• Able to draft appropriate coverage letters/communications to customers with some intervention
• Demonstrates willingness to lead and direct their files with less oversight needed
  
  

ABOUT US: As a mutual company, we are independent by nature, so we think about insurance solutions a little differently. Through listening, problem solving, examining your challenges and collaborating on the right solutions for you, Preferred Mutual independent agents provide flexible solutions and adapt to your evolving needs. We do the same for our employees. We are process and domain experts, focused on the solutions that deliver results for our clients and our company. We offer a great work environment, professional development, challenging careers, and competitive compensation. With Preferred, there are no surprises. You can count on us to deliver on our promises and be there when you need us, as your insurance provider and your employer. Preferred Mutual is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability, protected veteran status or other characteristics protected by law.

DISCLAIMER: This role (job) description indicates in general terms, the type and level of work performed as well as the typical responsibilities of employees in this classification. The duties described are not to be interpreted as being all-inclusive to any specific employee. Management reserves the rights to add, modify, change or rescind the work assignments of different positions and to make reasonable accommodations so that qualified employees can perform the essential functions of the job. Nothing in this position description changes the at-will employment relationship existing between Preferred Mutual Insurance Company and its employees.

The salary range for the role is $60,500 - $78,000 per year paid on a salaried basis. The rate offered to any candidate will be reflective of the candidate’s experience and any relevant education, certification, or qualifications related to their ability to perform the responsibilities of this position as permitted by law.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Strategy/Planning and Information Technology

• Industries

  Insurance

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