(Total Loss) Senior Auto Physical Damage Claim Rep- (Remote)

At Selective, we don't just insure uniquely, we employ uniqueness.

Our Business

Selective is a midsized domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years.

Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2024 and certification as a Great Place to Work in 2024 for the fifth consecutive year.

Working at Selective

At Selective, we don't just insure uniquely we employ uniqueness. Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success.

Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Job Summary

Investigates, negotiates and concludes by settlement or denial assigned auto claims through telephone, personal contact, and / or written correspondence.

These duties are performed consistent with company claims’ policies and procedures within prescribed authority and standards of performance.

Specialties include one or more of the following : General Liability, Auto fire and theft, Auto total loss, Auto commercial and personal lines liability, Auto / PIP subrogation.

All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Job Responsibilities

• Receives assigned auto claims and independently reviews / analyzes the policy forms and endorsements to determine applicable coverages, limits, deductibles and settlement calculations, as well subrogation recovery opportunity
• Gathers appropriate documentation to support the claimed damages through phone / email contact with customers, vendors, and police departments (includes estimates, proof of ownership / value, required company forms, reports, invoices, etc.).
• 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.
• Documents claim files, establishes and updates reserves throughout the life of the claim, maintains suspense system, processes expenses, prepares checks, updates MCS, and sends appropriate letters based on state regulations and company directives.
• Explores salvage and subrogation potential, as well as arbitration opportunity.
• Continuously reviews and analyzes investigative information to determine if file is eligible for fraud / SIU handling.
• Enlists the assistance of vendors and / or other resources to help with remediation services or future analysis of auto damage or settlement values.
• Reviews all claims continuously to determine whether loss / claim is best served in the Service Center or eligible for transfer to the field for further handling.
• Ensures compliance with company, state and federal regulations.
• Must be able to drive an automobile to travel within territory. Car travel represents approximately 0-10% of employee’s time and a valid driver’s license.
• Determines the actual cash value of vehicles. Must possess knowledge of vehicle construction and options to assess values properly.

Knowledge of heavy trucks is beneficial.

• Negotiates vehicle valuation settlements with vehicle owners, attorneys, and lienholders.
• Must identify additional coverages such as Replacement Cost and GAP.
• Secures total loss documentation such as Letters of Guarantee from lienholders and Power of Attorney from vehicle owners.
• Demonstrates an ability to determine complex payments to include all applicable state taxes and fees associated with total losses.
• Must demonstrate knowledge of each state's salvage laws.
• May have to administer some or all of the salvage process.
• Ability to navigate disputed total loss settlements with agents, insureds, and valuation vendors.

Job Qualifications

• College degree preferred
• 1-5 years of Commercial and or Personal Lines Auto Total Loss experience preferred
• 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.)

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you, and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life.

These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and paid time off plans.

Additional details about our total rewards package will be provided during the recruiting process

The expected starting salary range for this role is $54,000-$85,000. The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint.

Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinion, beliefs, abilities, and perspectives.

We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences and empowers employees to contribute new ideas that support our continued and growing success.

Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion.

We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance;

address biases; and foster diversity of viewpoints and opinions.

Selective maintains a drug-free workplace.