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National General Insurance

Total Loss Claims Representative Trainee, I, II, Sr. Job

National General Insurance - Cleveland, OH

Primary Purpose:

Examines claims data, investigates the facts of loss, determines coverage and liability, and adjusts claims within limit of authority. Claims involved frequently require analysis and may require research to resolve coverage and/or damage issues. There is periodic review of ongoing activities and results of work. There is more focused supervision on complex files (The CRII will handle complex files on a regular basis).

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.

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

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

Evaluate and adjust claims within limit of authority

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; documents 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 handles to conclusion

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

Perform other projects and assignments as directed

Is 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

Identify customer needs and works to meet those needs using appropriate customer service skills

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

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

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 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

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

For claims involving injuries, has solid understanding of how to review, evaluate, and negotiate injury claims

Demonstrate ability to handle litigation in accordance with company guidelines, and be able to recognize legal issues and will utilize ADR when appropriate

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

Begin to develop effective leadership skills in order to mentor other adjusters, function as a team leader, handle projects, etc.

Desired Skills:

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

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

National General Holdings Corp. is an Equal Opportunity (EO) employer - Veterans/Disabled and other protected categories. All qualified applicants will receive consideration for employment regardless of any characteristic protected by law. Candidates must possess authorization to work in the United States, as it is not our practice to sponsor individuals for work visas.

In the event you need assistance or accommodation in completing your online application, please contact NGIC main office by phone at (336) 435-2000.

Job Criteria:

Start Date:

Position Type: Full-Time Permanent

Years of Experience Required:

Education Required:

Overnight Travel:

Vacation Time:

12 days 9 hours ago

National General Insurance


Total Loss Claims Representative Trainee, I, II, Sr. Job National General Insurance - Cleveland, OH, United States


Location: Cleveland, OH

Company Profile:
We believe there's more to auto insurance than coverages and claims. At National General Insurance, we start with experience – yours. We're guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive. Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st. We are committed to your complete satisfaction. And if you do need to make a claim, we'll handle it as quickly, professionally and gently as we can. We don't just want to “get” your business. We want to keep it.