Auto Physical Damage Claim Representative

Travelers; Franklin (TN); On-site; USD 55,000 - 91,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

Paying it Forward Savings Program

Job summary

Travelers is seeking a Claim Rep, Auto Damage in Tennessee, handling auto damage claims from initial notice through settlement. You will assess coverage, coordinate with appraisers and repair shops, and communicate clearly with customers and stakeholders.

Ideal candidates hold a Bachelor’s degree, a state adjuster license where applicable, and 2+ years of auto-claim experience. Proficiency in claims systems and MS Office is expected, with a focus on accurate, timely resolutions.

Qualifications

• Bachelor's Degree required.
• Two years auto claim handling experience preferred.
• Active adjuster license where applicable.
• Proficient in claims management systems with advanced MS Office & enterprise platforms.
• Strong verbal and written communication skills.

Responsibilities

• Manage auto physical damage claims from first notice of loss through resolution and settlement.
• Evaluate policy terms to determine coverage and liability; negotiate settlements within authority.
• Coordinate with appraisal teams and repair facilities for accurate damage assessments.
• Document findings and maintain records in claim management systems.
• Communicate promptly with customers, insureds, and stakeholders; adapt to new tech tools.

Skills

Auto claims handling

Customer service

Microsoft Office

Claims management systems

Strong communication

Decision making

Education

Bachelor's Degree

Tools

Claims management systems

Microsoft Office

Job description

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?

As a Claim Rep, Auto Damage, you will support our customers and third-party claimants through the claims process when they experience vehicle damage. In this role, you will serve as a trusted resource and will deliver exceptional customer service by providing clear explanations of policies and coverage options while investigating and evaluating claims to ensure accurate payments.

What Will You Do?

• Manage auto physical damage claims from first notice of loss through resolution and settlement, handling low to moderate complexity cases, including total loss evaluations and vehicle repair oversight. Types of claims are typically multi-vehicle (2 or more cars) auto damage with unclear liability and no injuries.
• Evaluate and analyze policy terms, conditions, and exclusions to determine coverage, liability, and damage; negotiate equitable settlements within your authority.
• Coordinate and partner with appraisal team(s) and repair facilities to obtain necessary information and ensure thorough accurate damage assessments and timely claim resolution.
• Leverage all internal and external resources to conduct thorough investigations to gather all relevant facts accurately document findings in the claim management system and maintain accurate records of claim activity in claim management systems.
• Determine settlement amounts based upon appraisal estimate, negotiate and convey claim settlements within authority limits to insureds and claimants. As appropriate, write denial letters, Reservation of Rights and other necessary correspondence to insureds and claimants.
• Provide timely and professional communication to customers, representatives, and internal stakeholders.
• Adapt to new technology implementations, system upgrades, and digital tool rollouts, particularly in the areas of AI while maintaining productivity and service quality.
• Acquire and maintain relevant Insurance License(s) to comply with state and Travelers' requirements within three months of starting the job.
• Perform other duties as assigned.

What Will Our Ideal Candidate Have?

• Bachelor's Degree.
• Two years of auto claim handling experience.
• Active adjuster license, where applicable.
• Proficient in claims management systems with advanced skills in Microsoft Office and enterprise technology systems and platforms.
• Strong verbal and written communication skills with the ability to convey information clearly and professionally.
• Ability to exercise sound judgement and make effective decisions.
• Exceptional customer service skills and commitment to providing a positive experience for customers throughout the claim process.
• Strong attention to detail and organizational skills; ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
• Demonstrated conflict resolution skills; ability to facilitate productive discussions and reach equitable outcomes.
• Ability to manage stress, navigate difficult situations, and maintain composure and professionalism under pressure while always taking accountability for decisions.
• Basic understanding of insurance principles and terminology, state insurance regulations and claim handling requirements.
• Ability to quickly learn from experience and apply it to new situations with speed and flexibility.

What is a Must Have?

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

What Is in It for You?

Health Insurance : Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment.

Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward yo