Senior Auto Physical Damage Claim Rep; Hybrid​/Remote

About Us

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 2025 and certification as a Great Place to Work in 2025 for the sixth 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.

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.

• Independently review/analyze policy forms to determine the appropriate coverage for a loss, including applicable limits and deductibles.
• Investigate claims through various methods of communication with claim parties. Analyze information obtained through investigation in order to evaluate assigned claims to determine the extent of loss and liability, taking into consideration contributory or comparative negligence.
• 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. Process incoming calls and correspondence from insureds, claimants and agents regarding questions or problems associated with claims. Interact with underwriters and agents on claim resolution.
• Update the claims system on a continual basis to accurately reflect status of assigned file and to initiate percentage of negligence on the part of the insured to determine "chargeability". Establish and continuously review reserves. Review and approve expenses incurred to investigate, process and handle a claim. Appropriately close claim by issuing check or denial. Issue appropriate letters based on state regulations and company directives.
  
  Document claim activity and maintain control of work through documentation and diary/task system.
• Explores salvage and subrogation potential, as well as arbitration opportunity.
• Recognizes fraudulent claims activity that would be subject to SIU referral in accordance with company guidelines and subsequent referral to law enforcement or regulatory agencies.
• Utilize vendors and other resources as necessary to assist with resolving disputed claims. 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.
• 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.

• Understanding of Commercial and Personal…