Claims Service Representative - Total Salvage

About the Role

This entry-level position supports the Auto Claims Operation by handling claims of material damage, property, and/or liability lines of insurance written by the Interinsurance Exchange. The role involves investigation, evaluation, and negotiation of lower-complexity claims in compliance with company technical and customer service best practices. Under moderate supervision, the position works within specific limits and authority.

Responsibilities

• Communicate and interact with insureds, claimants, and other individuals to explain benefits, coverages, fault, and the claims process verbally or in writing, adhering to regulatory and statutory requirements.
• Conduct phone and/or field investigations to determine liability and damages, including obtaining statements from insureds, claimants, and witnesses.
• Evaluate and determine claim values based on property, medical, and liability data.
• Negotiate within settlement authority to resolve first and third-party claims.
• Handle administrative functions, update database production reports, and document claim files using company systems (e.g., CACS, HUON, HOC).
• Verify and interpret coverage by gathering necessary information to ensure policy applicability; coordinate with internal and external departments as needed.
• Identify cross-sell opportunities based on members’ product needs and service requests, enhancing member relationships and providing sales leads to relevant departments.
• Provide independent analysis to differentiate between allegations and facts.
• Determine policy obligations by assessing liability and damage components of the loss.
• Independently resolve claim exposures within the level of authority.
• Respond quickly to customer needs and problems.

Requirements

• Bachelor’s degree or equivalent combination of education and experience.
• Less than 1 year of experience; no prior claims experience required.
• Moderate computer literacy.
• General understanding of negligence desired.
• Advanced organization and planning skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.

Occasional travel may be required for off-site business meetings or conferences.

Benefits

• Health coverage for medical, dental, and vision.
• 401(K) savings plans with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts (membership, insurance, travel, entertainment, services, and more).