Claims Representative-Total Loss

Sentry Insurance; Nashville (TN); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Vision insurance

Parental leave

Paid time off

Tuition reimbursement

401(k)

Remote work

Job summary

Sentry Insurance in Nashville, TN is seeking a Total Loss Claims Representative to investigate and settle auto loss claims, including total loss, loss of use, towing, and storage, with speed and accuracy. You will review repair estimates, prior damage, and vehicle value to determine fair outcomes.

This hybrid role requires state licensing, a bachelor’s degree or equivalent, and strong written and verbal communication.

Qualifications

• Bachelor's degree or equivalent work experience
• Hands-on experience with auto claims is preferred
• Strong written and verbal communication skills are strongly preferred
• Solid knowledge of the claims handling process and state-specific requirements
• Experience handling moderately complex claims is preferred

Responsibilities

• Investigate and settle total loss, loss‑of‑use, towing, and storage claims with speed and accuracy.
• Negotiate settlements within prescribed authority limits.
• Explain procedures and denials to claimants when coverage does not exist and coordinate rental arrangements.
• Document all decisions, correspondence, reports, and discussions during claim handling.
• Obtain and maintain state adjuster and appraiser licensing as required.

Skills

Communication skills

Claims knowledge

Education

Bachelor's degree or equivalent

Job description

vision insurance, parental leave, paid time off, tuition reimbursement, 401(k), remote work

Oct 07, 2026

Investigate and settle total loss, loss-of-use, towing, and storage claims with speed and accuracy, negotiating fair outcomes and thoroughly documenting every step.

This position will be staffed out of our Nashville, TN or Davenport, IA offices following the hybrid work model. This role is NOT available for remote work.

What You'll Do

As a Total Loss Claims Rep, you will:

• Evaluate claims of basic to moderate complexity requiring expertise in private passenger auto, commercial auto, tractor trailers, heavy equipment, watercrafts, trailers, motorcycles, and other land-based off road or specialty vehicles. Review pertinent information including repair estimates, unrelated prior damage estimates, photos, vehicle conditioning, and actual value to make accurate repair / total loss decisions that adhere to state specific thresholds.

• Conduct and review valuations through company approved vendors and conduct further research as necessary to determine appropriate cash value for various auto and specialist vehicles. Adhere to state-specific compliance including completion and submission of required forms, taxes, and fees.

• Negotiate basic to moderately complex settlements with claimants and/or attorneys that fall within prescribed authority limits.

• Explain procedures and denials to claimants where coverage does not exist. Refer payment or denial of claims that exceed assigned authorization limits to management with settlement recommendations. Document all decisions, correspondence, reports, and discussions that occur during the claim handling process.

• Coordinate rental vehicles for claimants as necessary and manage any claim expenses including, but not limited to, advance changes, salvage, rental, and outside vendor expenses, ensuring services are properly covered for claimants while controlling expenses.

• Obtain and maintain state adjuster and appraiser licensing as required.

What it Takes

• Bachelors Degree or equivalent work experience

• Hands-on experience with auto repair is preferred

• Strong written and verbal communication skills strongly preferred

• Solid knowledge and understanding of each phase of the claim handling process, or other equivalent knowledge highly beneficial

• Demonstrated experience handling moderately complex claims, or other equivalent experience strongly preferred

Here is what you can look forward to as part of our team:

At Sentry, your total rewards go beyond competitive compensation. We're committed to supporting the whole you, which is why we offer a comprehensive package designed to help you thrive both professionally and personally.

• Hybrid Flexibility:Enjoy the best of both worlds. With optional work from home on Mondays and Fridays and join your team in the office Tuesday through Thursday to collaborate and learn. We provide the technology and tools you need for both your office and home workspace from day one.

• Dining on Us:Depending on your location, we may provide a stipend that can be used at our on-site cafeteria or a meal allowance to keep you fueled.

• Continuous Learning:Unlock your potential through Sentry University and take advantage of our tuition reimbursement program.

• Comprehensive Benefits:We support your whole self with group medical, dental, and vision insurance along with parental leave, pet insurance, caregiver leave, and wellness resources. Options for HSA, FSA, and Dependent Care FSA are available.

• Work-Life Balance:Enjoy your generous Paid Time Off allowance to rest and take advantage of paid Volunteer Time Off to support your community.

• Investing in Your Future:We're committed to your long-term financial well-being. We offer a 100% company match on the first 8% you contribute to your 401(k) each pay period, and those funds vest immediately.

• Giving Back:Through the Sentry Foundation, we're proud to support the United Way and make a difference in our communities.

Why Join Sentry?

At Sentry, we believe our people are the heart of our success. We're proud to be recognized for the culture we've built, earning spots on Forbes' lists for America's Best Midsize Employers and Best Employers for New Grads, as well as Newsweek's America's Greatest Workplaces for Women and Diversity. These honors reflect our commitment to your professional satisfaction and growth.

Building on a Legacy

Our future is bright, but it's anchored in a long history of stability. Since our founding in 1904, we've dedicated ourselves to helping businesses protect their futures. That trust has made us one of the largest and most financially stable mutual insurance companies in the U.S. We're proud to have maintained an A+ rating from A.M. Best, the industry's leading authority, for over 30 years.

Your Career, Our Community

Whether you're working at our headquarters in Stevens Point, Wisconsin, or one of our many offices across the country, you'll find a challenging and rewarding environment. Explore the Our Teamstab on our Career Page to see the diverse career paths we offer, with a focus on ongoing development and professional growth.

Ready to own your future? Join us at Sentry, opportunities await!

Talent Acquisition Specialist

Shea Supa

Equal Employment Opportunity

Sentry is an Equal Opportunity Employer. It is our policy that there be no discrimination in employment based on race, color, national origin, religion, sex, disability, age, marital status, or sexual orientation.