Bodily Injury Auto Claims Specialist (Remote)

Selective Insurance; Scottsdale (AZ); À distance; USD 83 000 - 108 000; Plein temps

Avantages offerts par ce poste

Health benefits

Résumé du poste

Selective Insurance is seeking a claims handler to directly manage non-litigated and lower-level auto and general liability claims. The role includes coverage analysis, investigation, evaluation, negotiation, and disposition in line with company policy and authority levels.

Responsibilities span from initial intake and information gathering to settlement, expense review, and reserves maintenance. The position emphasizes compliance, accuracy, and timely processing of claims.

Qualifications

• Clear verbal and written communication skills.
• Strong time management and organizational abilities.
• Negotiation and claim disposition skills with problem-solving.
• Strong judgment and decision-making abilities.
• Ability to work independently and manage priorities.
• Proficiency with standard business software.

Responsabilités

• Investigate coverage and liability of claims via phone, letters, or in person; issue coverage letters.
• Evaluate loss extent considering contributory or comparative negligence and coordinate medical exams.
• Process inquiries from insureds, claimants, and agents; coordinate with underwriters and agents on resolution.
• Evaluate, negotiate, and resolve claims within delegated authority; assign counsel when needed.
• Update claims system with status and determine chargeability; review expenses.
• Close claims by issuing payments or denials and secure releases; manage reserve levels.

Connaissances

Verbal and written communication

Time management

Negotiation

Judgment and decision-making

Independent work

Business software

Formation

College degree

3 years auto claim handling experience

Commercial and personal lines

Bodily Injury experience

Industry training/designations

Description du poste

About Us

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

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.

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.