Auto Physical Damage Claim Representative

Travelers • Atlanta, GA

2d • $56,600 - $93,400

About The Position

As a Claim Representative, Auto Damage, you will support customers and third-party claimants through the claims process when they experience vehicle damage. You will provide clear explanations of policies and coverage options, investigate and evaluate claims, and ensure accurate payments. The role handles low- to moderate-complexity auto physical damage claims from first notice of loss through resolution and settlement, including total loss evaluations and vehicle repair oversight. Claims are typically multi-vehicle accidents involving two or more cars, unclear liability, and no injuries.

Requirements

• High school diploma or GED.
• One year of auto claim handling experience or comparable claim experience, or successful completion of the Travelers Auto Claim Representative training program.
• Acquire and maintain relevant insurance license(s) within three months of starting the job, as required by state and Travelers’ requirements.
• Basic understanding of insurance principles and terminology, state insurance regulations, and claim handling requirements.

Nice To Haves

• Bachelor’s degree.
• Two years of auto claim handling experience.
• Active adjuster license, where applicable.
• Proficiency in claims management systems, with advanced skills in Microsoft Office and enterprise technology systems and platforms.
• Strong verbal and written communication skills and the ability to convey information clearly and professionally.
• Sound judgment and effective decision-making ability.
• Exceptional customer service skills and commitment to a positive customer experience.
• Strong attention to detail and organizational skills, including the ability to manage multiple tasks and prioritize in a fast-paced environment.
• Conflict resolution skills and the ability to facilitate productive discussions and reach equitable outcomes.
• Ability to manage stress, navigate difficult situations, remain professional under pressure, and take accountability for decisions.
• Ability to learn quickly from experience and apply it to new situations with speed and flexibility.

Responsibilities

• Manage auto physical damage claims from first notice of loss through resolution and settlement, including total loss evaluations and vehicle repair oversight.
• Evaluate policy terms, conditions, and exclusions to determine coverage, liability, and damage, and negotiate equitable settlements within assigned authority.
• Coordinate with appraisal teams and repair facilities to obtain information, ensure accurate damage assessments, and support timely claim resolution.
• Conduct thorough investigations using internal and external resources, document findings in claim management systems, and maintain accurate claim records.
• Determine settlement amounts based on appraisal estimates and communicate and negotiate settlements within authority limits.
• Prepare denial letters, Reservation of Rights letters, and other necessary correspondence when appropriate.
• Communicate promptly and professionally with customers, representatives, and internal stakeholders.
• Adapt to new technologies, system upgrades, and digital tool rollouts, particularly involving AI, while maintaining productivity and service quality.
• Acquire and maintain relevant insurance licenses to meet state and Travelers’ requirements within three months of starting the job.
• Perform other duties as assigned.

Benefits

• Health insurance coverage for eligible employees and family members beginning on the first day of employment.
• Dollar-for-dollar 401(k) match up to the first 5% of eligible pay, subject to an annual maximum.
• Paying it Forward Savings Program contributions to an employee’s 401(k) when the employee makes payments toward student loan debt.
• Pension Plan funded 100% by Travelers.
• At least 20 days of paid time off annually.
• Nine paid company holidays.
• Wellness program with tools, discounts, and resources.
• Mental health program with access to free professional counseling, health coaching, and other resources.
• Matching Gift and Volunteer Rewards program.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED