Claims Representative

AmTrust Financial Services, Inc.; United States; Hybrid; USD 67,000 - 79,000; Full time

Job summary

AmTrust Financial Services, Inc. is seeking a Claims Representative assigned to the Commercial Auto APD team. Responsible for prompt review of insurance claims through research, evaluation, investigation, negotiation and interaction with insureds and claimants.

Role may handle least complex to smaller claims with a focus on Auto Physical Damage within APD. The position requires strong investigation, negotiation and claims management skills, with a four-days-in-office, one-day-remote schedule

Qualifications

• Bachelor’s degree or equivalent experience.
• State licensure as required.
• 1–3 years claims handling experience.
• Proficiency with MS Office suites.
• Skills in investigation, evaluation and negotiation.
• Knowledge of insurance theory and practices.

Responsibilities

• Investigates the claim or coverage by contacting involved parties (insured, claimant, witnesses, producers).
• Verifies coverage and policy conditions; drafts positions when needed.
• Interacts with internal teams or external parties to obtain information.
• Establishes reserves based on facts and company standards; adjusts as needed.
• Negotiates and settles non-litigated claims.
• Develops critical thinking and decision-making to analyze root issues.
• Maintains relationships with customers showing respect and trust.
• Learns technical materials and improves outcomes for claimant and company.
• Writes clear, factual notes in claims files and communications.
• Manages time and diary entries in a fast-paced environment.
• Performs other duties as assigned.

Skills

Investigations

Negotiation

MS Office

Customer service

Communication

Education

Bachelor’s degree

State licensure where required

Tools

MS Office

Claims systems

Job description

Assigned to our Commercial Auto APD team, the Claim Representative is responsible for prompt review of insurance claims through effective research, evaluation, investigation, negotiation and interaction with insureds and claimants. The Claims Representative is often, assigned to least complex, severe and/or smaller claims in the Line of Business. Maintains a solid understanding of AmTrust’s mission, vision, and values. Upholds the standards of the AmTrust and Claims organization.

Please note that this role works 4 days in office and 1 day remote out of either Dallas, TX; Melville, NY; Scottsdale, AZ; or Southington, CT

Responsibilities

• Investigates the claim or coverage by making timely and appropriate contact with involved or interested parties including but not limited to the insured or employer representatives, claimant, witnesses and producers.
• Verifies coverage and policy conditions. Reviewed coverage issues as needed with supervisor. Typically utilized standardized language to draft positions if needed.
• Depending on the type of claim may interact internally with Subrogation, Managed Care or SIU or externally with police or others to get information.
• Establishes reserves based on estimating most likely outcome of a claim based on the facts for the case and company standard. Adjust reserves based on fact, company standard and experience.
• Effectively settles and negotiates non-litigated claims.
• Builds critical thinking and decision-making skills to gather, assess, analyze, question, verify, interpret and understand key or root issues.
• Establishes and maintains effective relationships with customers and gains their respect and trust.
• Demonstrates ability to learn technical materials and learns from mistakes in order to achieve best possible outcomes for claimant, customer and company.
• Writes in a clear, succinct and fact-based manner in Claims files as well as in other communication.
• Manages time and diary entries effective and efficiently, prioritizing work in a fast-paced environment.
• Performs other functional duties as assigned.

Qualifications

Required

• Bachelor’s degree or equivalent experience
• State licensure as required
• 1-3 years claims handling experience
• Demonstrated proficiency with MS Office suites
• Demonstrated skills in investigation, evaluation and negotiation
• Knowledge of insurance theory and practices

Preferred

• Knowledge of Commercial Auto , Garage Keepers, and total loss experience
• Ability to travel is required for some positions

Line of Business: APD

LOB Description

Claims Representative is responsible for handling Auto Physical Damage (APD) claims including, but not limited to effective claim investigation, coverage analysis, damage evaluation, proactive claim action planning, negotiation and resolution. The representative is responsible for medium to complex claims involving multiple parties, liability decisions, jurisdictional statutes, and additional exposures. Will also assist in any litigated files and arbitration hearings.

• Gather information and documentation such as witness statements, police and location investigation, photographs, appraisals/estimates of damages
• Determine the appropriate appraisal channel to utilize based on the facts of the case
• Calculate the number of rental days needed and work with repair and rental facilities to manage the amount of time
• Understand and comply with state requirements with written/oral communication, liability, and the rules of the road
• Determine when a vehicle is a total loss and ensure successful transition to Total Loss team after securing pertinent information
• Coordinate with Core claim handling team on claims involving property damage and bodily injury
• May handle specialty areas such as Garagekeepers’ and Inland Marine claims
• Assist with onboarding, training, and mentoring new hires
• 3+ years of commercial auto experience, working with the auto repair process, auto damage appraisals, and vehicle valuations. Experience in specialty areas such as Inland Marine and Garagekeepers’ a plus
• Ability to manage time, multi-task, prioritize, and excel in fast paced work environment
• Strong customer service skills and the ability to communicate effectively and clearly with many different parties (customer, repair facility, other carrier, etc.)
• Good analytical abilities to review, exercise judgment and evaluate claims in order to make sound decisions
• Strong knowledge of claim procedures, policies, state and federal laws and insurance regulations

The expected salary range for this role is $66,900-$78,500/year.

Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations.