Inside Claims Representative I

About the Role

Under close supervision, handles liability and property claims within designated authority. Resolves coverage and/or liability issues in accordance with applicable state insurance laws, regulations, and procedures.

Responsibilities

• Investigates and adjudicates claims within designated authority, ensuring compliance with appropriate statutory laws.
• Verifies coverage, establishes and maintains reserves, secures recorded statements, drafts and processes correspondence, reports and records.
• Obtains additional information as required to determine liability.
• Documents claim files and facilitates processing of claims in collaboration with other departments.
• Assigns outside experts when necessary to assist in investigation and in support of potential recovery.
• Establishes contact with all parties involved in the claim in accordance with ERIE's expectations.
• Evaluates and negotiates claims, recognizes subrogation opportunities, and initiates action.
• Sets up and/or issues payment using ERIE's approved payment methods for settlement; or declines payment within designated authority.
• Responds to inquiries from Policyholders, Agents, insurance carriers, claimants, assigned experts and others.
• Learns and maintains knowledge of liability laws for each state.
• Learns and maintains knowledge of motor vehicle codes.
• Learns and maintains knowledge of no fault/medical management/FPB laws for each state, including recognition of bodily injury claims.
• With supervisor guidance, responds to intercompany arbitration applications. Files contentions and supporting documents on behalf of the insured/driver.
• Conducts research, attends industry-related training programs and other training sessions to stay current on policy changes, interpretation, or new legislation.
• Provides support for property claims during periods of heavy volume.

Qualifications

• High school diploma or GED and two years of related claims handling or customer service experience, or equivalent educational experience required.
• Bachelor's or Associate's degree preferred.
• Successful completion of Introduction to Insurance (INTRO) and Introduction to Claims (AIC 30) preferred.
• Obtain appropriate licenses as required by state within 45 days of employment in the role for external applicants and 90 days of employment in the role for internal applicants.

Skills & Capabilities

• Self-Development
• Collaborates
• Cultivates Innovation
• Instills Trust
• Decision Quality
• Values Diversity
• Nimble Learning
• Customer Focus
• Optimizes Work Processes (IC)
• Ensures Accountability
• Detail Orientation
• Information Management Skills
• Job-Specific Knowledge

Pay & Benefits

Salary range: $44,936.00 - $71,781.00. This range represents a national range and the actual salary will depend on several factors including the scope and complexity of the role and the skills, education, training, credentials, location (State) based on ERIE's geographical differences, and experience of an applicant, as well as level of role for which the successful candidate is hired. Position may be eligible for an annual bonus payment.

Benefits include: premier health, prescription, dental, and vision benefits (coverage begins first day; low contributions; ERIE pays up to 97% of employees' monthly premium costs); pension (vested after five years); 401(k) with up to 4% contribution match; paid time off (vacation, personal days, sick days, bereavement days, parental leave); career development including tuition reimbursement; company-paid basic life insurance; short- and long-term disability insurance; orthodontic coverage; adoption assistance; fertility and infertility coverage; well-being programs; paid volunteer hours; and dollar-for-dollar matching of charitable gifts each year.

Schedule & Work Location

Remote, work-from-home position. Candidates located within proximity to ERIE's Raleigh Branch Office are preferred. Primary schedule is 8:00 a.m. – 4:30 p.m., Monday through Friday, Eastern Time. Rotating weekday evening and Saturday shifts are required based on business and service-level needs. Schedule is subject to change based on business needs. Employees working remotely must have access to internet service with minimum speeds of 50 Mbps download and 10 Mbps upload.