Senior Auto Physical Damage Claims Specialist

Selective Insurance; Richmond (VA); On-site; USD 63,000 - 81,000; Full time

Benefits offered by this job

Health care plans

Retirement match with company

Employee Stock Purchase Program

Tuition assistance

Paid time off 20 days

Job summary

Selective Insurance is seeking an experienced Auto Claims Adjuster in the Richmond, VA area. The role requires analyzing policy forms, investigating claims, and negotiating settlements while maintaining compliance with company guidelines and state regulations.

You will review damage documentation, set reserves, and determine appropriate chargeability, with opportunities to explore salvage, subrogation, and fraud detection.

Qualifications

• 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).

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.
• 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.
• 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.
• 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.

Skills

Auto policy language

Adjuster licenses

Customer service

Damage evaluation

Negotiation

Education

Bachelor's degree preferred

1-5 years Auto experience

Job description

Selective Insurance is seeking an experienced Auto Claims Adjuster in the Richmond, VA area. The role requires analyzing policy forms, investigating claims, and negotiating settlements while maintaining compliance with company guidelines and state regulations.

You will review damage documentation, set reserves, and determine appropriate chargeability, with opportunities to explore salvage, subrogation, and fraud detection.