Claim Representative - Auto Liability

Travelers is a leading property casualty insurer with a strong commitment to customer service and community care. The Claim Representative - Auto Liability is responsible for handling Personal and Business Insurance Auto Bodily Injury claims, ensuring quality claim handling throughout the claim life cycle from initial contact to resolution. Responsibilities Delivers consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going communication, follow-through and meeting commitments to achieve optimal outcome on every file. Fulfills specific service commitments made to certain accounts, as outlined in Special Account Communication (SAC) instructions Reviews and analyzes coverage and applies policy conditions, provisions, exclusions and endorsements for moderate complexity Bodily Injury liability claims in assigned jurisdictions. Verifies the benefits available, the injured party's eligibility and the applicable limits. Addresses proper application of any deductibles, co-insurance, coverage limits, etc. Confirms priority of coverage (i.e. primary, secondary, concurrent) and takes into consideration issues such as Social Security, Workers Compensation or others relevant to the jurisdiction. Consults with Unit Manager on use of Claim Coverage Counsel Investigates each claim to obtain relevant facts necessary to determine coverage, the extent of liability, damages, and contribution potential with respect to the various coverages provided through prompt contact with appropriate parties (e.g. policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts). This may also include investigation of wage loss and essential services claims. Verifies the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damages documentation. Takes recorded statements as necessary. Utilizes evaluation documentation tools in accordance with department guidelines Identifies resources for specific activities required to properly investigate claims such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators and to other experts. Requests through Unit Manager and coordinate the results of their efforts and findings Recognizes cases based on severity protocols to be referred timely to next level claim professional or Major Case Unit Establishes timely and maintains appropriate claim and expense reserves. Manages file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities in accordance with established procedures to resolve claim in a timely manner Determines settlement amounts, negotiates and conveys claim settlements within authority limits to claimants or their representatives. Recognizes and implements alternate means of resolution. As appropriate, writes denial letters, Reservation of Rights and other necessary correspondence to claimants Handles both unrepresented and attorney represented claims. May manage litigated claims on appropriately assigned cases. Develops litigation plan with staff or panel counsel, track and control legal expenses. May attend depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated Perform other duties as assigned Skills Bachelor's Degree 2 years bodily injury liability claim handling experience General knowledge and skill in claims handling and litigation Basic working level knowledge and skill in various business line products Demonstrated ownership attitude and customer centric response to all assigned tasks Demonstrated good organizational skills with the ability to prioritize and work independently Attention to detail ensuring accuracy Keyboard skills and Windows proficiency, including Excel and Word - Intermediate Verbal and written communication skills - Intermediate Analytical Thinking- Intermediate Judgment/Decision Making- Intermediate Negotiation- Intermediate Insurance Contract Knowledge- Intermediate Principles of Investigation- Intermediate Value Determination- Intermediate Settlement Techniques- Intermediate Medical Knowledge- Intermediate One-year bodily injury liability claim handling experience or comparable liability claim handling experience, or successful completion of Travelers Claim Representative training program is required Benefits Health Insurance Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Company Overview Travelers provides insurance coverage to protect the things that are important to you – your home, your car, your valuables and your business. It was founded in 1853, and is headquartered in New York, New York, USA, with a workforce of 10001+ employees. Its website is Company H1B Sponsorship Travelers has a track record of offering H1B sponsorships, with 75 in 2025, 47 in 2024, 60 in 2023, 42 in 2022, 27 in 2021, 20 in 2020. Please note that this does not guarantee sponsorship for this specific role.