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PIP Telephone Claims Representative Trainee, I, II

Job Description

Primary Purpose:

Examine claims data, investigate the facts of loss, determine coverage and liability, and adjusts claims within limit of authority.

Essential Duties and Responsibilities:

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.


  • Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary, may review loss reserves and adjust or opens hidden exposures as necessary

  • Evaluate and adjust claims within limit of authority and summarize claims in excess of authority and submit to manager for approval

  • Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option

  • Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement

  • Determine subrogation or fraud potential and refer to Unit when potential exists or handle to conclusion

  • Identify customer needs and work to meet those needs using appropriate customer service skills

  • Develop an understanding of the functions of other departments, such as Policy Ops and Marketing


Trainee


  • Shadow and learn the above stated essential duties and responsibilities

  • Learn to handle most aspects of auto claims

  • Develop a basic understanding of the content of policies written by the company

  • Develop a basic understanding of the insurance industry and the organizational relationships of the company

  • Learn how to determine subrogation or fraud potential and how to handle

  • Develop a basic understanding of systems and technology used within the company


Level I


  • Receive claim assignments and verify/investigate coverage and document all appropriate information before Manager is involved with review of claims to ensure they are commensurate with ability

  • May handle more complex files with appropriate supervision to develop skills

  • Develop a working knowledge of systems and technology used within the company


Level II


  • Claims involved frequently require analysis and may require research to resolve coverage and/or damage issues

  • Periodic review of ongoing activities and results of work

  • Focused supervision on complex files; the CRII will handle complex files on a regular basis)

  • Receive claim assignments and verifies/investigates coverage and documents all appropriate information

  • Determine claim approval and or denial up to $7,500 per exposure or $10,000 per file

  • If handling PIP may participate in investigations of medical providers and attend EUOs

  • May work with attorneys in resolving lawsuits

  • Conduct negotiations and settlements within authority level, using independent judgment, or within discretionary levels granted above individual authority level

  • Track and document the quality of service provided by defense counsel and manage litigation and recovery costs

  • May assist in training of Claims Representatives

  • Proficient in using all systems and technology used within the company

  • May be required to make personal appearances on behalf of the company when requested


Minimum Skills and Competencies:

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


  • Bachelor's Degree or in-lieu of degree equivalent education, training and work-related experience

  • Successfully completes Claim Representative trainee program, or equivalent external training program

  • Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

  • Obtain/Maintain appropriate licensing or educational requirements

  • Demonstrate proficiency in file audits to agreed standard of efficient claims quality

  • High degree of initiative, mature judgment, and discretion

  • Ability to resolve conflicts and empathize with customers is critical

  • Strong negotiation skills

  • Demonstrate professional oral and written communication skills

  • Organization and time management skills are critical for this position

  • Demonstrate an understanding of insurance law as it relates to claims


Trainee


  • Learn to recognize and identify all body parts of a vehicle and/or understanding other potential property damage

  • Develop understanding of claim policies & procedures; refers questions to supervisor

  • Develop ability to handle repair/replace decisions

  • Develop labor judgment skills and learn to complete simple estimates accurately


Level I


  • Demonstrate the capability of consistently handling aggregate file exposures of at least $2,500

  • Has a basic command of the claims policies and procedures; exhibit basic interpretation of policies & procedures in resolving claims, but may still need some assistance from supervisor

  • Demonstrate the ability to interpret and apply written coverage accurately to establish claim and determine an action plan, and often requires assistance on more complex files

  • Can handle most types of comprehensive losses (theft, fire, and vandalism), accurately identify total losses


Level II


  • Demonstrate the capability of consistently handling aggregate file exposures of at least $2,500

  • Has a solid command of the claims policies and procedures; exhibit basic interpretation of policies & procedures in resolving claims, but may still need some assistance from supervisor

  • Demonstrate a solid understanding of the repair and replacement of property damages, to include mechanical components of a vehicle, homeowner damages and other potential exposures


Desired Skills:


  • Demonstrate a thorough understanding of the NGIC Insurance brand and ability to exhibit the behaviors

  • Demonstrate an understanding of the functions of other departments, such as Policy Ops and Marketing

  • Proficient in systems and technology used within the company (i.e. XactContents)


#LI-KH1

Job Requirements

 

Job Snapshot

Location US-OH-Cleveland
Employment Type Full-Time Employee
Pay Type Year
Pay Rate N/A
Store Type Insurance
Apply

Company Overview

National General Insurance

National General Insurance Group is one of the largest automobile insurers in the United States. National General Insurance Group offers property and casualty products, including personal auto, RV, motorcycle, commercial auto and more. With a nationwide network of claims professionals and a 24-hour, toll-free claims hotline available 365 days a year, National General Insurance provides superior claims service for its customers. Learn More

Contact Information

US-OH-Cleveland
National General Insurance
Snapshot
National General Insurance
Company:
US-OH-Cleveland
Location:
Full-Time Employee
Employment Type:
Year
Pay Type:
N/A
Pay Rate:
Insurance
Store Type:

Job Description

Primary Purpose:

Examine claims data, investigate the facts of loss, determine coverage and liability, and adjusts claims within limit of authority.

Essential Duties and Responsibilities:

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.


  • Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statements when necessary, may review loss reserves and adjust or opens hidden exposures as necessary

  • Evaluate and adjust claims within limit of authority and summarize claims in excess of authority and submit to manager for approval

  • Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option

  • Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement

  • Determine subrogation or fraud potential and refer to Unit when potential exists or handle to conclusion

  • Identify customer needs and work to meet those needs using appropriate customer service skills

  • Develop an understanding of the functions of other departments, such as Policy Ops and Marketing


Trainee


  • Shadow and learn the above stated essential duties and responsibilities

  • Learn to handle most aspects of auto claims

  • Develop a basic understanding of the content of policies written by the company

  • Develop a basic understanding of the insurance industry and the organizational relationships of the company

  • Learn how to determine subrogation or fraud potential and how to handle

  • Develop a basic understanding of systems and technology used within the company


Level I


  • Receive claim assignments and verify/investigate coverage and document all appropriate information before Manager is involved with review of claims to ensure they are commensurate with ability

  • May handle more complex files with appropriate supervision to develop skills

  • Develop a working knowledge of systems and technology used within the company


Level II


  • Claims involved frequently require analysis and may require research to resolve coverage and/or damage issues

  • Periodic review of ongoing activities and results of work

  • Focused supervision on complex files; the CRII will handle complex files on a regular basis)

  • Receive claim assignments and verifies/investigates coverage and documents all appropriate information

  • Determine claim approval and or denial up to $7,500 per exposure or $10,000 per file

  • If handling PIP may participate in investigations of medical providers and attend EUOs

  • May work with attorneys in resolving lawsuits

  • Conduct negotiations and settlements within authority level, using independent judgment, or within discretionary levels granted above individual authority level

  • Track and document the quality of service provided by defense counsel and manage litigation and recovery costs

  • May assist in training of Claims Representatives

  • Proficient in using all systems and technology used within the company

  • May be required to make personal appearances on behalf of the company when requested


Minimum Skills and Competencies:

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


  • Bachelor's Degree or in-lieu of degree equivalent education, training and work-related experience

  • Successfully completes Claim Representative trainee program, or equivalent external training program

  • Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

  • Obtain/Maintain appropriate licensing or educational requirements

  • Demonstrate proficiency in file audits to agreed standard of efficient claims quality

  • High degree of initiative, mature judgment, and discretion

  • Ability to resolve conflicts and empathize with customers is critical

  • Strong negotiation skills

  • Demonstrate professional oral and written communication skills

  • Organization and time management skills are critical for this position

  • Demonstrate an understanding of insurance law as it relates to claims


Trainee


  • Learn to recognize and identify all body parts of a vehicle and/or understanding other potential property damage

  • Develop understanding of claim policies & procedures; refers questions to supervisor

  • Develop ability to handle repair/replace decisions

  • Develop labor judgment skills and learn to complete simple estimates accurately


Level I


  • Demonstrate the capability of consistently handling aggregate file exposures of at least $2,500

  • Has a basic command of the claims policies and procedures; exhibit basic interpretation of policies & procedures in resolving claims, but may still need some assistance from supervisor

  • Demonstrate the ability to interpret and apply written coverage accurately to establish claim and determine an action plan, and often requires assistance on more complex files

  • Can handle most types of comprehensive losses (theft, fire, and vandalism), accurately identify total losses


Level II


  • Demonstrate the capability of consistently handling aggregate file exposures of at least $2,500

  • Has a solid command of the claims policies and procedures; exhibit basic interpretation of policies & procedures in resolving claims, but may still need some assistance from supervisor

  • Demonstrate a solid understanding of the repair and replacement of property damages, to include mechanical components of a vehicle, homeowner damages and other potential exposures


Desired Skills:


  • Demonstrate a thorough understanding of the NGIC Insurance brand and ability to exhibit the behaviors

  • Demonstrate an understanding of the functions of other departments, such as Policy Ops and Marketing

  • Proficient in systems and technology used within the company (i.e. XactContents)


#LI-KH1

Job Requirements

 
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PIP Telephone Claims Representative Trainee, I, II Apply now