Auto Express Claim Representatives

  • Travelers
  • Buffalo, NY, USA
  • Sep 08, 2020
Full time Insurance

Job Description

Company Information

Solid reputation, passionate people and endless opportunities. That's Travelers. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy and a workplace in which you truly can make a difference.

Job Summary

Under moderate supervision, this position handles 1st and 3rd party Personal Insurance and Business Insurance auto damage claims from the first notice of loss through resolution/settlement and payment process. This includes interpreting and applying laws and statues for multiple state jurisdictions. This job does not lead others. As part of the hiring process, this position requires the completion of an online pre-employment assessment. Further information regarding the assessment including an accommodation process, if needed, will be provided at such time as your candidacy is deemed appropriate for further consideration.

  Primary Job Duties & Responsibilities

Provide 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. Deliver consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going effective communication, follow-through and meeting commitments to achieve optimal outcome on every file. Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements, apply how jurisdictional issues impact the claim when needed. Manage deductibles and coverage limits. Obtain relevant facts necessary to determine coverage, causation/damages, and exposure with respect to the various vehicle coverage provided. Recognize and refer files that do not meet Keep & Close criteria to appropriate claim professional. Investigate facts to establish negligence, sources of recovery and negotiate resolutions as appropriate. Manage partial theft requiring specialized investigation and where applicable involve internal and external experts. Recognize and request appropriate inspection type based on the details of the loss and coordinate the appraisal process. Maintain oversight of the repair process and ensure appropriate expense handling. Manage file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities to resolve claim in a timely manner. Determine settlement amounts based on appraisal estimates, and application of applicable limits and deductibles. Negotiate and convey claim settlements within authority limits to insureds. As appropriate, write denial letters, Reservation of Rights and other necessary correspondence to insureds and claimants. Recognize and forward appropriate files to subject matter experts (i.e.: SIU, staff counsel, property, etc.). Identify subrogation opportunities, determine appropriateness of the demand and negotiate adverse subrogation and arbitration. Assist Claim Customer Services in taking First Notice of Loss calls during periods of high volume. 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. Level Differentiation Handles 1st & 3rd party auto damage claims. Claim types include multi-vehicle (no more than 2 cars), clear liability, no injury files. Also includes non-auto, property related damage. Handle all types of vehicles including automobiles at every severity level including other property damage i.e.: guard rails, mailboxes and any property within the vehicle. Claims will have varying degrees of complexity and severity. Minimum Qualifications High School Diploma or GED and one year of customer service experience OR Bachelors Degree required. Education, Work Experience & Knowledge Licensing or Certificates

Job Specific & Technical Skills & Competencies

Customer experience preferred. Analytical Thinking - Basic Judgment/Decision Making - Basic Communication - Basic Negotiation - Basic Insurance Contract Knowledge - Basic Principles of Investigation - Basic Value Determination - Basic Settlement Techniques - Basic

Financial or Sensitive Information Access

Yes. Settlement authority is typically between $5,000 and $10,000 based on experience.

Physical Requirements

Operates standard office equipment Requires extended periods of computer use Requires extended periods of sitting

Environmental/Work Schedules/Other

There are 2 schedules available.  Following a Training period, Schedule #1 is Monday-Friday 9am-6pm EST  or Schedule #2 is Tuesday-Saturday 9am-6pm EST.  In order to be considered you must be available for one of these schedules.  If your work shift includes a weekend day,  you will qualify for a shift differential that is applied to all hours you work during the week.   

Equal Employment Opportunity Statement

Travelers is an equal opportunity employer.