Claim Representative, Auto Damage - Travelers Companies, Inc. (Tampa, Florida)

Committed.  Competitive.  Constructing our Future.

That's Travelers. We are one of the leading insurance companies in the United States.  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.

We are currently looking for a Claim Representative, Auto Damage.  Please read on for more details regarding this position.

JOB DESCRIPTION:

SUMMARY:

Handle 1st and 3rd party Personal Insurance and Business Insurance claims.  Manage claims for automobiles, a variety of heavy, specialty and mobile equipment and non-auto related property damage (i.e.: mail box, fence, and indirect damages such as down time and business interruption.)  Claims will have varying degrees of complexity and severity (I.e.: coverage issues, multi-car, fatalities, liability determination, etc).

PRIMARY DUTIES:

- Handle all types of vehicles including automobiles, and a variety of heavy and mobile equipment (i.e. Cranes,  tractor trailers, construction, agricultural equipment) at every severity level including other property damage i.e.: guard rails, mail boxes and any property within the vehicle.

- Handle vehicle claims with varying degrees of complexity and severity (I.e.: coverage issues, multi-car, fatalities, liability determination, etc). 

- Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements, pertinent to a variety of vehicle damage claims. Recognize and apply how jurisdictional issues impact the claim (i.e.: negligence laws, financial responsibility/limits, immunity, etc.)  Manage deductibles and coverage limits.

- Contact appropriate parties to obtain relevant facts necessary to determine coverage, causation/damages, nature and extent of injuries and exposure with respect to the various vehicle coverage provided.  

- Investigate facts to establish negligence, determine liability, other sources of recovery and negotiate resolutions as appropriate. Manage fire, theft and other claims that require specialized investigation and utilization of internal and external experts in accordance with local laws. 

- Request the appropriate inspection type based on the details of the loss to effectively and efficiently resolve the claim (i.e.: conciergeclaim, appraisal, heavy equipment, property task assignment).  When a Total Loss is determined, authorize payment through the Total Loss representative.

- Conduct damage management including properly managing the repair process i.e.: mitigating storage, rental, early tow to salvage and other related expenses by working closely with appraisers, rental facilities, body shops,  repair facilities and other vendors. 

- Establish timely and maintain appropriate claim and expense reserves.

- Develop and continually update a plan of action including maintaining an effective diary to bring the claim to resolution in a timely manner. Manage file inventory by utilizing an effective diary system and documenting claim file activities in accordance with established procedures. 

- Write denial letters, Reservation of Rights and other routine and complex correspondence to insureds and claimants.

- Determine settlement amounts based on independent judgment, estimation of actual cash value and replacement value, appraisals, application of applicable limits and deductibles. 

- Negotiate and convey claim settlements within authority limits to insureds.

- Meet all quality standards and expectations per Best Practices.

- Comply with state specific regulations.

-  Provide quality customer service to meet the needs of the insured, claimant, all internal and external customers.  Fulfill specific service commitments made to certain accounts, as outlined in Special Account Communication (SAC).

-  Recognize and forward appropriate files to subject matter experts i.e.: SIU, engineer, staff/general counsel, heavy equipment, construction, property, CAT mgmt, fire investigator, Independent Adjuster, and accident reconstruction for their review and consult.  Identify subrogation opportunities; determine appropriateness of the demand and negotiate adverse subrogation and arbitration.

- Handle litigation on appropriately assigned cases. Develop litigation plan with staff or panel counsel, and track and control legal expenses; Review conciliations and prepare submissions for arbitration hearings.

-  May participate with Auto ERT during extreme weather events.-

- Effectively manage multiple competing priorities to ensure timely payment, follow-up and claim resolution.

EDUCATION/COURSE OF STUDY:

College degree or equivalent business experience

CERTIFICATES/DEGREES:

Adjusters license (where applicable)

COMMUNICATION SKILLS:

Strong verbal and written communication skills

COMPUTER SKILLS:

Hardware and software skills to utilize and leverage claim and adjusting technology

OTHER:

Medical terminology knowledge (helpful)  

Customer service and empathy skills

Solid analytical and decision making skills

Math skills

Excellent negotiation skills and ability to effectively handle conflict

Strong organization and time management skills

Ability to multi-task and to adapt to a changing environment

Ability to effectively handle conflict

Attention to detail ensuring accuracy.

Strong investigative skills and creativity to achieve optimal resolution

In addition to an exciting environment, we offer:

* Competitive base salary with additional opportunities for variable pay through recognition programs and incentive awards

* 401(k) with company match

* Comprehensive health plans that include coverage for same sex/domestic partners

* Strong work/family and employee assistance programs

* Tuition reimbursement

* Vacation Purchase Plan

* Training/Development opportunities

We are proud to provide comprehensive, high quality employee programs to meet employees' needs now and in the future, including a very competitive financial package. Explore what we have to offer.

For immediate consideration for this position, please click on the "Apply Now" button at the bottom of this posting.

Travelers is an equal opportunity employer. We actively promote a drug-free workplace.