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
This position is responsible for handling moderate to complex Personal and Business Insurance Auto Damage claims as well as low complexity Bodily Injury Liability 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) with unclear liability as well as low complexity/minor Bodily Injury claims. 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.

This job does not manage others.

This job works under Moderate Supervision: Incumbent performs standard and routine assignments independently to conclusion; unusual problems which may require exceptions to procedures or processes are referred to the supervisor.

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
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 both Auto Damage and low complexity Bodily Injury liability claims in assigned jurisdictions.
• Verifies the benefits available, the injured party's eligibility and the applicable coverage limits.
• Addresses proper application of any deductibles, co-insurance, coverage limits, etc.
• Confirms priority of coverage (i.e. primary, secondary, concurrent) and takes into consideration issues such as Social Security, Workers Compensation or others 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 (e.g.. policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, etc. ).
• This may also include investigation of wage loss and essential services claims.
• Takes recorded statements as necessary.
• Recognizes and requests appropriate inspection type based on the details of the loss and coordinate the appraisal process.
• Maintains oversight of the repair process and ensures appropriate expense handling.
• On specified claims, evaluates medical treatment based on the nature and extent of injury, mechanism of injury, type of treatment received or anticipated.
• May need to verify wage loss claims.
• Ensure proper payment of third party injury claims.
• 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, 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.
• Files handled will be predominately unrepresented claims.
• May handle low complexity (small claims) litigated files on appropriately assigned cases.
• 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.

Minimum Qualifications
High School Diploma or GED required. A minimum of one year previous auto claim handling with Travelers or two years Auto Claim handling experience with a previous employer required.

Education, Work Experience & Knowledge
Bachelor's degree preferred. 2 years auto claim handling experience preferred. Prior experience handling multiple sub-lines such as auto damage and/or auto liability experience preferred.

Job Specific & Technical Skills & Competencies
Demonstrated ownership attitude and customer centric response to all assigned tasks. Demonstrated good organizational skills with ability to manage multiple priorities. Attention to detail ensuring accuracy.

Keyboard skills and Windows proficiency, including Excel and Word - Intermediate
Verbal and written communication skills - Intermediate
Analytical Thinking- Intermediate
Judgment/Decision Making- Intermediate
Negotiation- Intermediate
Insurance Contract Knowledge- Intermediate
Principles of Investigation- Intermediate
Value Determination- Basic
Settlement Techniques- Basic
Medical Knowledge- Basic

Environmental/Work Schedules/Other
Weekend work hours - Occasionally
Overnight work hours - Occasionally
Travel - Occasionally
Flexibility and willingness to work extended work day hours with intermittent weekend hours given volume of work with minimal notice given. - Occasionally

Physical Requirements
Operates standard office equipment - Continuously
Sitting (Can stand at will) - Continuously
Use of Keyboards, Sporadic 10-Key - Continuously

Equal Employment Opportunity Statement
Travelers is an equal opportunity employer.
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