Experienced Auto Blend Claim Representative

Travelers; Charlotte (NC); On-site; USD 55,000 - 91,000; Full time

Job summary

Travelers in Charlotte, NC is seeking an Insurance Auto Damage Claims professional to manage low to moderate Auto Damage claims from first notice through settlement and payment. You will analyze coverage, investigate facts, and coordinate with insureds, claimants, and authorities to ensure compliant resolutions.

The role requires a Bachelor's degree, strong communication skills, and the ability to manage multiple priorities in a high-volume environment.

Qualifications

• Bachelor's degree.
• Demonstrated ownership attitude and customer centric response to all assigned tasks.
• Ability to work in a high volume, fast paced environment managing multiple priorities.
• Attention to detail ensuring accuracy.
• Keyboard skills and Windows proficiency, including Excel and Word - Intermediate.
• Verbal and written communication skills

Responsibilities

• Handle low to moderate Auto Damage claims from first notice to resolution and payment.
• Apply laws and state regulations across multiple jurisdictions for Auto Damage claims.
• Investigate claims to obtain facts: statements, inspections, appraisals as needed.
• Establish reserves and manage file inventory and expenses.
• Negotiate settlements within authority limits and communicate decisions to insureds and claimants.
• Support license acquisition and ongoing education as required by state regulations.

Skills

Customer service

Communication

Attention to detail

MS Excel

MS Word

Education

Bachelor's degree

Tools

Excel

Word

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

3

What Is the Opportunity?

This position is responsible for handling low to moderate Personal and Business Insurance Auto Damage claims from the first notice of loss through resolution/settlement and payment process. This may include applying laws and statutes for multiple state jurisdictions. Claim types include multi-vehicle (2 or more cars) auto damage with unclear liability and no injuries. Will also handle more complex Auto Damage claims such as non-owned vehicles, fire/theft, and potential fraud as well as non-auto, property related damage. Provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations.

What Will You Do?

• Customer Contacts/Experience: Delivers consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going communication, follows-through and meeting commitments to achieve optimal outcome on every file. Fulfills specific service commitments made to certain accounts, as outlined in Special Account Communication (SAC).
• Coverage Analysis: Reviews and analyzes coverage and applies policy conditions, provisions, exclusions and endorsements for Auto Damage only claims in assigned jurisdictions. Addresses proper application of any deductibles and verifies benefits available and coverage limits that will apply. Confirms priority of coverage (i.e. primary, secondary, concurrent) and takes into consideration other issues relevant to the jurisdiction.
• Investigation/Evaluation: Investigates each claim to obtain relevant facts necessary to determine coverage, causation, extent of liability/establishment of negligence, damages, contribution potential and exposure with respect to the various coverages provided through prompt contact with appropriate parties (policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, etc.) Takes recorded statements as necessary. Recognizes and requests appropriate inspection type based on the details of the loss and coordinates the appraisal process. Maintains oversight of the repair process and ensures appropriate expense handling. Refers claims beyond authority as appropriate based on exposure and established guidelines. Recognizes and forwards appropriate files to subject matter experts (i.e., Subrogation, SIU, Property, Adverse Subrogation, etc.).
• Reserving: Establishes timely and maintains appropriate claim and expense reserves. Manages file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities to resolve claim in a timely manner.
• Negotiation/Resolution: Determines settlement amounts based upon appraisal estimate, negotiates and conveys claim settlements within authority limits to insureds and claimants. As appropriate, writes denial letters, Reservation of Rights and other necessary correspondence to insureds and claimants. May provide support to other parts of Auto Line of Business (e.g. Total Loss, Salvage, etc.) when needed.
• Insurance License: In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.
• Perform other duties as assigned.

What Will Our Ideal Candidate Have?

• Bachelor's degree.
• Demonstrated ownership attitude and customer centric response to all assigned tasks.
• Ability to work in a high volume, fast paced environment managing multiple priorities.
• Attention to detail ensuring accuracy.
• Keyboard skills and Windows proficiency, including Excel and Word - Intermediate.
• Verbal and written communication skills