Auto Liability Claim Representative - Franklin, TN

VetJobs•Franklin, TN

8d•$67,000 - $110,600

About The Position

The Auto Liability Claim Representative manages and investigates low- to moderate-complexity injury and/or property damage claims, from first notice of loss through resolution. The role includes customer contact, determining coverage, evaluating liability, assessing damages, establishing timely reserves, negotiating settlements, and issuing accurate payments within the representative’s authority and appropriate oversight. The representative works with customers, claimants, attorneys, vendors, internal stakeholders, and other parties to resolve claims accurately and efficiently while providing professional, empathetic service. The role may also include training and coaching less experienced claim professionals. The representative handles claims that may involve coverage disputes, contractual indemnity issues, or low-complexity litigation. They maintain accurate claim records, adapt to technology implementations and upgrades—including AI-related tools—and acquire and maintain relevant insurance licenses within three months of starting.

Requirements

High school diploma or GED.
One year of bodily injury liability, property damage liability, or comparable claim-related experience, or successful completion of the required Travelers Claim Representative training program.
Acquire and maintain relevant insurance license(s) within three months of starting, as required by state and Travelers requirements.

Nice To Haves

Bachelor’s degree.
Two years of bodily injury claim experience.
Active adjuster license, where required by state law.
Experience with claims management systems and advanced skills in Microsoft Office and enterprise technology systems and platforms.
Excellent verbal and written communication skills and ability to convey information clearly and professionally to multiple stakeholders.
Ability to analyze situations, exercise sound judgment, and make effective decisions.
Exceptional customer service skills, commitment to providing a positive customer experience, and ability to manage difficult conversations with empathy and professionalism.
Strong attention to detail and organizational skills, including ability to manage a high-volume workload and prioritize effectively.
Conflict resolution and negotiation skills, including ability to handle complex or disputed claims and negotiate settlements.
Ability to manage stress, navigate difficult situations, maintain composure and professionalism under pressure, and take accountability for decisions.
Strong understanding of insurance principles and terminology, with working knowledge of state insurance regulations, claim handling requirements, and fair claims practices.
Ability to comprehend and analyze policy language.
Ability to learn quickly from experience and apply learning to new situations with speed and flexibility.

Responsibilities

Manage an active caseload of injury and/or property damage claims from first notice of loss through resolution within the assigned level of authority.
Investigate claims by contacting relevant parties to determine coverage, evaluate liability exposure, assess bodily injury and/or property damage, and establish appropriate reserves in accordance with policy terms and management guidance.
Use internal resources as appropriate during claim handling.
Communicate professionally and promptly with customers, opposing counsel, third-party vendors, internal stakeholders, and other parties.
Negotiate with claimants, attorneys, and representatives; convey settlements within authority; and issue payments accurately and promptly.
Handle low-complexity litigation.
Maintain accurate records of claim activity in claim management systems.
Adapt to technology implementations, system upgrades, and digital tool rollouts, including AI-related tools, while maintaining productivity and service quality.
Acquire and maintain relevant insurance licenses to comply with state and Travelers requirements within three months of starting.
Perform other duties as assigned.
May provide training and coaching to less experienced claim professionals.