Auto Physical Damage Claim Representative (Remote)

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

Selective is a midsized U.S. 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.

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.

Join Our Team as an Auto Physical Damage Claim Representative at Selective!

As an Auto Physical Damage Claim Representative at Selective you will play a crucial role in ensuring our customers receive the best service possible. As part of this role, you will manage auto claims from start to finish. You will investigate all claim details by gathering information from insureds, claimants, witnesses, and repair shop personnel to conclude settlement or denial of the claim. As an Auto Physical Damage Claim Rep you will ensure claims are processed within company policies, procedures, and individual's prescribed authority with exceptional standards of performance. You will work in a collaborative and supportive environment, where you will have access to ongoing training and future development opportunities. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

*The preferred candidate will be located near our Charlotte, NC or Richmond, VA offices. Please also note, there is a mandatory onsite two-week training period in our Richmond, VA office which is currently scheduled to start in May 2025.

• Gather information by interviewing insureds, claimants and witnesses, reviewing police reports, and evaluating vehicle damage.
• Analyze information obtained through investigation to evaluate assigned claims to determine the extent of loss and liability.
• Verify/analyze coverage and determine course of action.
• Work with claimants, insureds and auto repair shops to settle claims fairly and per regulatory guidelines.
• Provide exceptional customer service through empathetic interactions, proactive outreach, and efficient resolution of an insured's request while building trust and rapport.
• Establish and continuously review reserves and input claim information into the claims management system.
• Update the claims file on a continual basis to accurately reflect status changes.
• Document claim files and maintain control of work through documentation or diary system.
• Review and approve expenses incurred to investigate process and handle a claim.
• Prepare check requisitions for all loss and expense payments.
• Direct customer to approved car rental vendor, aggressively manage car rental expenses, set up appropriate inspection and repair assignments, and process immediate removal of total loss vehicles to salvage yard.
• Close claim by issuing check or denial.
• Send out appropriate letters based on state regulations and company directives.
• May handle low complexity, simple property losses.
• 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.

Knowledge and Requirements

• Understanding of Commercial and Personal Automobile policy language and endorsements.
• Adjuster licenses in states where required (to be obtained within 3 months of hire).
• Exceptional customer service skills, ability to multi-task and prioritize work.
• Strong attention to detail and computer proficiency.
• Must have valid state-issued driver's license in good standing and be able to drive an automobile.

Education and Experience

• College degree preferred.
• 1-3 years of claim handling experience preferred.
• At least 1 year of relevant or transferable work experience required.

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 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 opinions, 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.