Auto Bodily Injury Claim Representative- New Hire Bonus

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Job Overview
Job Title:
Auto Bodily Injury Claim Representative- New Hire Bonus
Company:****
Category:
Claims
Location:
Houston, Texas
Tweets by @TRV_Careers
Auto Bodily Injury Claim Representative- New Hire Bonus
Houston, Texas
Company Summary
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
Target Openings
3
Job Description Summary
New Things on the Horizon! Potential for a $5,000 sign-on bonus!
This position is responsible for handling Personal and Business Insurance Auto Bodily Injury claims from the first notice of loss through resolution/settlement and payment process. This may include interpreting and applying laws and statutes for multiple state jurisdictions. Claim types include moderate complexity Bodily Injury claims. 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.
Travelers offers a hybrid work location model that is designed to support flexibility.
#LI-Hybrid
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, follow-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) instructions.
Coverage Analysis :
Reviews and analyzes coverage and applies policy conditions, provisions, exclusions and endorsements for moderate complexity Bodily Injury liability claims in assigned jurisdictions. Verifies the benefits available, the injured party's eligibility and the applicable 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. Consults with Unit Manager on use of Claim Coverage Counsel.
Investigation/Evaluation:
Investigates each claim to obtain relevant facts necessary to determine coverage, the extent of liability, damages, and contribution potential with respect to the various coverages provided through prompt contact with appropriate parties (e.g. policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts). This may also include investigation of wage loss and essential services claims. Verifies the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damages documentation. Takes recorded statements as necessary. Utilizes evaluation documentation tools in accordance with department guidelines.
Identifies resources for specific activities required to properly investigate claims such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators and to other experts. Requests through Unit Manager and coordinate the results of their efforts and findings.
Recognizes cases based on severity protocols to be referred timely to next level claim professional or Major Case Unit.
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 in accordance with established procedures to resolve claim in a timely manner.
Negotiation/Resolution:
Determines settlement amounts, negotiates and conveys claim settlements within authority limits to claimants or their representatives. Recognizes and implements alternate means of resolution. As appropriate, writes denial letters, Reservation of Rights and other necessary correspondence to claimants.
Handles both unrepresented and attorney represented claims. May manage litigated claims on appropriately assigned cases. Develops litigation plan with staff or panel counsel, track and control legal expenses. May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as 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.
Minimum Qualifications
High School Degree or GED with a minimum of one year bodily injury liability claim handling experience or successful completion of Travelers Claim Representative training program is required.
Education, Work Experience, & Knowledge
Bachelor's Degree preferred.
2 years bodily injury liability claim handling experience preferred.
General knowledge and skill in claims handling and litigation.
Basic working level knowledge and skill in various business line products.
Job Specific Technical Skills & Competencies
Demonstrated ownership attitude and customer centric response to all assigned tasks
Demonstrated good organizational skills with the ability to prioritize and work independently
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- Intermediate
Settlement Techniques- Intermediate
Medical Knowledge- Intermediate
Environmental / Work Schedules / Other
Travel Requirements: Travel Occasionally
Employment Practices
Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email 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 ****About Travelers
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. A component of the Dow Jones Industrial Average, Travelers has more than 30,000 employees and generated revenues of approximately $25 billion in 2010.
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