P&C Claim Representative III

P&C Claim Representative III

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Baltimore, MD

Reporting To: Chris Lewis

Compensation: $71,760 - $77,250 / year

We are seeking an experienced Property & Casualty Claims Representative III to investigate, evaluate, negotiate, and resolve complex property damage and bodily injury claims arising from transit operations. This role is responsible for independently managing a high-volume caseload while delivering exceptional service, maintaining regulatory compliance, and driving timely claim resolution.

The Property & Casualty Claims Representative III is an advanced-level claims professional responsible for handling complex automobile liability, property damage, bodily injury, and general liability claims. The successful candidate will independently manage a caseload of approximately 150–175 claim files involving multiple claimants and exposures, with claim values typically reserved at $25,000 or greater.

This role requires strong investigative skills, sound judgment, effective negotiation abilities, and experience handling higher‑severity liability claims through resolution.

• Independently investigate, evaluate, negotiate, and resolve automobile liability, property damage, bodily injury, and general liability claims.
• Manage an active caseload of approximately 150–175 claims arising from transit operations.
• Analyze coverage, liability, causation, and damages to determine claim exposure and appropriate resolution strategies.
• Conduct claimant, witness, and insured interviews to obtain facts and complete investigations.
• Review accident reports, medical records, repair estimates, photographs, and other supporting documentation.
• Establish, maintain, and adjust reserves in accordance with company and client guidelines.
• Negotiate settlements with claimants, attorneys, vendors, and other parties involved in the claim process.
• Identify and elevate complex or high‑exposure claims as appropriate.
• Coordinate with defense counsel and participate in litigation management activities when necessary.
• Prepare detailed claim summaries, evaluations, and reports for management and clients.
• Maintain timely and accurate claim file documentation and diary management.
• Ensure compliance with all applicable regulations, client requirements, and claims handling standards.
• Deliver high‑quality customer service while maintaining professionalism and empathy during difficult claim situations.
• Perform additional duties and responsibilities necessary to support operational and client service objectives.

• Bachelor's Degree from an accredited college or university preferred; or
• High School Diploma or equivalent with relevant claims handling experience.
• Minimum of 2 years of experience handling automobile liability, bodily injury, property damage, or general liability claims with a bachelor's degree; or
• Minimum of 4 years of experience investigating, evaluating, negotiating, and resolving automobile property damage, bodily injury, and general liability claims.
• Experience handling moderate to complex liability claims with exposure levels typically reserved at $25,000 or greater.
• Prior experience managing high‑volume caseloads preferred.
• Experience with in a public sector, transportation, transit, municipality, or TPA environment is a plus.
• Strong understanding of liability claims investigation and evaluation techniques.
• Working knowledge of bodily injury claim handling, damage assessment, and settlement practices.
• Excellent negotiation and conflict resolution skills.
• Ability to analyze complex liability and damages issues.
• Strong organizational and time management skills with the ability to prioritize…