Auto Physical Damage Claim Representative - West Bridgewater, MA

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 160 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

$51,000.00 - $84,200.00

Target Openings

What Is the Opportunity?

This position is hybrid - 3 days per week in the West Bridgewater, MA office and 2 days remote. Candidates must be within a commutable distance of the West Bridgewater, MA office.

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 (e.

g.. 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 preferred.
• 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 - Intermediate
• Analytical Thinking- Intermediate
• Judgment / Decision Making- Intermediate
• Negotiation- Intermediate
• Insurance Contract Knowledge-
• Basic
• Principles of Investigation- Intermediate
• Value Determination- Basic
• Settlement Techniques- Basic

What is a Must Have?

• High School Diploma or GED required.
• A minimum of one year previous Auto claim handling experience or successful completion of Travelers Auto Claim Representative training program is required.

What Is in It for You?

• Health Insurance : Employees and their eligible family members including spouses, domestic partners, and children are eligible for coverage from the first day of employment.
• Retirement : Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum.

If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account.

You are also eligible for a Pension Plan that is 100% funded by Travelers.

• Paid Time Off : Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
• Wellness Program : The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs.

In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.

Volunteer Encouragement : We have a deep commitment to the communities we serve and encourage our employees to get involved.

Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.

Employment Practices

Travelers is an equal opportunity employer. We believe that we can deliver the very best products and services when our workforce reflects the diverse customers and communities we serve.

We are committed to recruiting, retaining and developing the diverse talent of all of our employees and fostering an inclusive workplace, where we celebrate differences, promote belonging, and work together to deliver extraordinary results.

In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.

If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an so we may assist you.

Travelers reserves the right to fill this position at a level above or below the level included in this posting.

To learn more about our comprehensive benefit programs please visit .