Claims Representative/Sr. Claims Representative - Auto Property Damage with Experience

Plymouth Rock Assurance • Uniondale, NY

2d • $50,000 - $80,000

About The Position

The Auto Property Damage Claims Representative manages auto property damage claims in the Auto PD Claim Unit. The role involves frequent phone interaction in a fast-paced environment and requires strong customer service, patience, professionalism, and the ability to navigate adversarial situations. Comparative negligence claim-handling experience is needed.

The representative investigates and interprets policy provisions, endorsements, and conditions to determine coverage; investigates accidents and evaluates liability, causation, negligence, and damages; and manages reserves, inspections, negotiations, settlements, follow-ups, and disputes. The role also includes subrogation and related legal matters, customer communications, mail processing, compliance with privacy requirements and applicable laws, and backup support for commercial claims handling.

Requirements

• Bachelor’s degree required.
• A minimum of 2 years of related property damage claim experience required.
• Comparative negligence claim-handling experience needed.
• Proficiency in personal computer skills, including Microsoft Office Suite.
• Ability to prioritize and manage multiple tasks effectively.
• Excellent communication, organizational, and customer service skills.

Nice To Haves

• Licensure in Connecticut, New Hampshire, Rhode Island, and other foreign states is preferred.

Responsibilities

• Investigate and interpret policy provisions, endorsements, and conditions to determine coverage for automobile property claims.
• Identify and investigate contested coverage claims that may require a roundtable discussion.
• Investigate auto accidents by interviewing first- and third-party claimants, witnesses, investigating officers, and other relevant parties.
• Secure and analyze records, documentation, and loss-scene information to determine proximate cause, negligence, and damages.
• Evaluate and adjust reserves as necessary.
• Prepare dispatch instructions for field personnel to inspect vehicles.
• Negotiate and settle claims within individual authority limits, and seek supervisor approval for claims exceeding authority or requiring additional guidance.
• Maintain follow-up systems for pending files and advise insureds, claimants, and brokers about claim status.
• Act as an intermediary between the company, preferred vendors, and customers to resolve disputes.
• Ensure adherence to privacy guidelines, laws, and regulations in claims handling.
• Provide backup support for commercial claims handling.
• Investigate and initiate subrogation processes when applicable.
• Handle and respond to special civil part lawsuits or intercompany arbitrations related to auto property damage claims.
• Answer calls, return voicemails, and respond promptly to emails and text correspondence in a customer-focused phone environment.
• Process incoming and outgoing mail timely and in accordance with state guidelines.
• Complete other duties as assigned.

Benefits

• Four weeks of accrued paid time off and nine paid national holidays per year.
• Tuition reimbursement.
• Medical, dental, and vision insurance options starting on Day 1.
• Health and wellness program and fitness reimbursements.
• Auto and home insurance discounts.
• Matching gift opportunities.
• Annual 401(k) employer contribution of up to 7.5% of base salary.
• Paid family leave options, including paid parental leave.
• Professional development resources, including LinkedIn Learning and licensure assistance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level