Senior Auto Physical Damage Claim Rep (Hybrid/Remote)

Selective Insurance Company of America; Charlotte (NC); Remote; USD 63,000 - 81,000; Full time

Benefits offered by this job

Comprehensive health care plans

Retirement savings plan with company m

Employee stock purchase program

Tuition assistance and reimbursement

20 days of paid time off

Job summary

Selective Insurance Company of America is seeking an experienced auto claims adjuster to investigate, negotiate, and conclude auto claims by settlement or denial. Responsibilities include reviewing policy forms, investigating claims, and updating the claims system to accurately reflect status.

Qualifications include knowledge of auto policy language, adjuster licenses, and strong customer service and negotiation skills. A college degree is preferred with 1–5 years of auto experience.

Qualifications

• Understanding of Commercial and Personal Auto policy language and endorsements.
• Exceptional customer service skills.
• Damage evaluation and negotiation skills (review and writing of estimates, contents replacement, etc).
• Adjuster licenses in states requiring same (obtain within 3 months of hire).

Responsibilities

• Independently review policy forms to determine appropriate coverage and deductibles.
• Investigate claims through various communication channels with claim parties.
• Review damage documentation to determine loss amount and negotiate settlements.
• Update the claims system to reflect status and determine negligence charges.
• Escalate salvage and subrogation opportunities and detect fraud.
• Coordinate with vendors to manage rental car costs and salvage processes.
• Ensure claims comply with company, state and federal regulations.

Skills

Understanding of auto policy language

Customer service excellence

Negotiation skills

Education

College degree preferred

1-5 years auto experience

Job description

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

Investigates, negotiates and concludes by settlement or denial assigned auto claims through telephone, personal contact, and/or written correspondence. These duties are performed consistent with company claims’ policies and procedures within prescribed authority and standards of performance. Specialties include one or more of the following: General Liability, Auto fire and theft, Auto total loss, Auto commercial and personal lines liability, Auto/PIP subrogation. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Independently review/analyze policy forms to determine the appropriate coverage for a loss, including applicable limits and deductibles.


• Investigate claims through various methods of communication with claim parties. Analyze information obtained through investigation in order to evaluate assigned claims to determine the extent of loss and liability, taking into consideration contributory or comparative negligence.


• Reviews damage documentation to determine loss amount. Negotiates settlements based on documentation presented, vendor contact/discussions, personal knowledge and experience, customer discussions and policy language. 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.


• Update the claims system on a continual basis to accurately reflect status of assigned file and to initiate percentage of negligence on the part of the insured to determine "chargeability". Establish and continuously review reserves. Review and approve expenses incurred to investigate, process and handle a claim. Appropriately close claim by issuing check or denial. Issue appropriate letters based on state regulations and company directives. Document claim activity and maintain control of work through documentation and diary/task system.


• Explores salvage and subrogation potential, as well as arbitration opportunity.


• Recognizes fraudulent claims activity that would be subject to SIU referral in accordance with company guidelines and subsequent referral to law enforcement or regulatory agencies.


• Utilize vendors and other resources as necessary to assist with resolving disputed claims. Direct customer to approved car rental vendor, aggressively manage car rental expenses, set up appropriate inspection and repair assignments, and process immediate removal of total loss vehicles to salvage yard.


• Reviews all claims continuously to determine whether loss/claim is best served in the Service Center or eligible for transfer to the field for further handling.


• Ensures compliance with company, state and federal regulations.

Qualifications

Knowledge and Requirements

• Understanding of Commercial and Personal Auto policy language and endorsements.


• Adjuster licenses in states requiring same (obtain within 3 months of hire).


• Exceptional customer service skills.


• Damage evaluation and negotiation skills (review and writing of estimates, contents replacement, etc).

Education and Experience

• College degree preferred.


• 1-5 years of Commercial and or Personal Lines Auto experience 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.

• Comprehensive health care plans


• Retirement savings plan with company match


• Discounted Employee Stock Purchase Program


• Tuition assistance and reimbursement programs


• 20 days of paid time off

Additional details about our total rewards package can be found by visiting our benefits page.

Pay Range

USD $63,000.00 - USD $81,000.00 /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.