Senior Auto Physical Damage Claim Rep (Hybrid/Remote)

About Us

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Recognized in Forbes Best Midsize Employers (2025) and certified as a Great Place to Work® (2025, sixth consecutive year), Selective empowers employees to be uniquely themselves and contribute diverse talents, experiences, and perspectives to shared success.

Overview

Investigates, negotiates and concludes assigned auto claims through telephone, personal contact, and/or written correspondence, consistent with company policies, procedures, and prescribed authority. Specialties may include General Liability, Auto fire and theft, Auto total loss, Auto commercial and personal lines liability, and Auto/PIP subrogation. All duties must comply with applicable legal and regulatory requirements.

Responsibilities

• Independently review and analyze policy forms to determine appropriate coverage, limits, and deductibles.
• Investigate claims via various communication methods with claim parties.
• Analyze investigation information to evaluate loss extent and liability, considering contributory or comparative negligence.
• Review damage documentation to determine loss amount.
• Negotiate settlements based on documentation, vendor discussions, personal knowledge, customer input, and policy language.
• Process incoming calls and correspondence from insureds, claimants, and agents.
• Interact with underwriters and agents on claim resolution.
• Continuously update the claims system to reflect file status and determine chargeability.
• Establish and review reserves.
• Review and approve expenses incurred to investigate, process, and handle a claim.
• Close claims by issuing checks or denials and issue appropriate letters per state regulations and company directives.
• Document claim activity and maintain control through documentation and diary/task system.
• Explore salvage, subrogation potential, and arbitration opportunities.
• Recognize fraudulent claims for SIU referral and subsequent law enforcement or regulatory reporting.
• Utilize vendors and resources to resolve disputed claims.
• Direct customers to approved car rental vendors, manage rental expenses, arrange inspections and repairs, and process removal of total loss vehicles to salvage yards.
• Review claims to determine suitability for Service Center handling or transfer to field.
• Ensure compliance with company, state, and federal regulations.

Qualifications

• Understanding of Commercial and Personal Auto policy language and endorsements.
• Adjuster licenses in states requiring them (obtain within 3 months of hire).
• Exceptional customer service skills.
• Damage evaluation and negotiation skills, including estimate review and contents replacement.
• College degree preferred.
• 1–5 years of Commercial and/or Personal Lines Auto experience preferred.

Benefits

• Competitive base salary with incentive plan eligibility at all levels.
• Comprehensive health care plans.
• Retirement savings plan with company match.
• Discounted Employee Stock Purchase Program.
• Tuition assistance and reimbursement programs.
• 20 days of paid time off.

Pay

USD $63,000.00 – USD $81,000.00 per year (range based on geographic location, education, qualifications, experience, performance, and business needs).