| Company profile |
| About Unitrin Direct Auto Insurance
Unitrin Direct is a proud member of the Unitrin family of insurance companies, headquartered in Chicago with more than 6 million policyholders, $9 billion in assets, and 75 years of experience. Unitrin Direct has an "A" (excellent) rating from A.M. Best, a leading provider of ratings and financial information for the global insurance industry. The Right Savings and The Right Service |
| Job details | |
| Job industry : | Banking/Insurance |
| Job segment : | Claims/Collections Mgmt |
| Job role : | Insurance Advisor |
| Job skill : | sales or insurance |
| Position vacant : | Auto Claims Representative Trainee, Entry Level - College Grads, Unitrin Direct, salary to $40,000 |
| Job location : | San Antonio, Texas |
| Job details | |
| Company name : | Unitrin Direct |
| Minimum experience : | 1 years |
| Maximum experience : | 5 years |
| Job type : | Permanent |
| Gross pay : | 40,000.00 Yearly |
| Job posted : | Apr 28, 2006 |
| Job view count : | 875 |
| Job description | |
| Job description: | The Right Choice is Simple!
Looking for a moving career with growth potential, rewarding benefits, and a great working environment? Look no further. Unitrin Direct Auto Insurance offers the kind of exciting, dynamic work environment you'll really appreciate. We're small enough to provide exceptional growth opportunities yet, as part of a family of insurance companies that have served the needs of millions of consumers for decades (Unitrin, Inc.), Unitrin Direct Auto Insurance has the means to offer the benefits, security, and financial stability of a large, established organization. Auto Claims Representative Trainee - San Antonio, Texas Salary up to $40,000 a year depending on experience and qualifications POSITION SUMMARY Process personal lines auto claims from obtaining the initial details of the loss to negotiating settlements. Communicate with customers, as well as, repair facilities, attorneys and medical providers to reach timely and accurate resolutions to claims. Specifically investigate loss details, policy coverage, liability, property damages and bodily injury and settlement opportunities. Pursue excellence in service when dealing with all Unitrin Direct customers. Comply with all applicable Standard Operating Procedures (SOPs). |
| Job duties: | BUSINESS OBJECTIVES
Claims Handling Practices Claims Administration: Obtain and analyze loss details and develop a comprehensive strategy to efficiently and accurately reach resolution on claims presented for coverage. Keep all Unitrin Direct customers and relevant representatives informed of the claims process and claim status using professional written and verbal communications. Examine insurance policy provisions, endorsements, state statutory provisions and other records to verify applicable coverage. Systematically research and resolve coverage issues identified during the coverage investigation. Conduct liability investigations utilizing investigative tools and processes to include obtaining recorded statements from involved parties, interpreting and decoding police reports, analyzing scene investigations and expert reports and interpreting state negligence laws, statutory provisions and case law. Maintain a current diary on all claims. Thoroughly and accurately document the progression of each claim. Understand and implement negotiation strategy and related processes when communicating settlement related information to insureds, claimants, attorneys, body shop personnel, medical providers and other parties. Property Damage Claims Handling Practices: Conduct analyses of property damage claims presented for repair and replacement using a consistent and thorough estimate review process. Establish accurate loss reserves, and when applicable, subrogation and salvage reserves relative to the damages analyzed. When applicable, ensure the proper utilization of LKQ and aftermarket parts, blend and spot paint process, labor and tax rates, betterment and depreciation calculations, and towing and storage charges. When applicable, analyze total loss paperwork to validate the accuracy of the break-even analysis, ensure the value of salvage has been considered and proper tax rate has been utilized, and validate the accuracy of the valuation used for settlement. Utilize appropriate property damage claim investigation forms and form letters. Bodily Injury Claims Handling Practices: Conduct analyses of soft tissue and other minor bodily injury claims using a consistent and thorough injury review process. Establish accurate loss, and when applicable, subrogation reserves relative to the damages analyzed. Research and interpret injury related statutory provisions and case law, examine points of impact and extent of damage relative to the injury claimed, access prior injury information, develop and maintain rapport with the claimant or claimant’s representative, obtain proper release documentation, obtain medical reports and conduct detailed injury-specific research relating to the injury claimed, thoroughly document injury related treatment history and develop a comprehensive settlement strategy. Utilize appropriate bodily injury claim investigation forms and form letters. Litigation/Arbitration Claims Handling Practices: Work closely with the Supervisor/Litigation Manager and defense attorney, when applicable, to respond timely, accurately and professionally to plaintiff representative’s verbal and written correspondence. Establish accurate loss and expense reserves; develop a comprehensive settlement strategy and complete lawsuit, supplemental lawsuit and closed lawsuit reports. Research, interpret and communicate to appropriate team members applicable case law related to property damage and bodily injury related claims. Work closely with Supervisor/Litigation Manager to accurately research, interpret and utilize applicable legal terminology, cause(s) of action, jurisdictional issues, pleadings and procedures, and discovery tools. Understand and document litigation stages, litigation strategies and litigation cost control measures. Consider alternative dispute resolution methods when applicable. Utilize appropriate litigation forms and form letters. Investigation and Fraud Prevention Practices: Thoroughly investigate coverage and loss details for all claims to identify incidents of misrepresentation and suspicious activity. Review all prior losses for similarities in loss patterns and/or involved parties. Conduct analyses of theft, fire and vandalism claims using a consistent and thorough investigation process. Take detailed recorded statements utilizing the appropriate statement guide. Properly secure all evidence related to the claim. Thoroughly understand SIU red flags, referral criteria and referral guidelines to ensure effective and efficient partnering with SIU investigators and analysts. Utilize appropriate suspicious claim investigation forms and form letters. Customer Service Measurements Achieve acceptable scores on Customer Service Surveys Achieve Key Measure goals Achieve acceptable scores on quality and compliance audits Maintain acceptable performance on Supervisor observation |
| Req. candidate profile : | ATTRIBUTES
Integrity: Maintains confidentiality. Reveres accuracy and timeliness in financial reporting. Deals with others in a straightforward and honest manner. Accepts accountability for actions and decisions. Supports Unitrin Direct values. Self-Motivated: Takes independent action to solve problems and generate new ideas. Seeks responsibility and takes on tough assignments to improve skills. Practices self development to keep knowledge and skills in line with company and industry job related standards. Meets commitments, accepts accountability and meets attendance/punctuality requirements Analytical: Recognized areas of opportunity, systematically gathers information, sorts through complex issues to addresses route cause of issues and makes timely decisions. Understands the difference between critical details and unimportant facts. Can make difficult decisions and uses consensus when appropriate. Organized: Maintains a clean and functional work space, effectively manages distractions and interruptions. Works systematically and efficiently. Is attentive to detail and accuracy. Balances short and long term goals and keeps own work aligned with overall office and company goals. Collaborative: Values the differences in others. Speaks and writes professionally and is appropriately diplomatic in all communications. Builds intra/Inter-department relationships to achieve common company goals and objectives. Welcomes newcomers and promotes a team atmosphere. EDUCATION/EXPERIENCE REQUIREMENTS Bachelor’s degree or equivalent experience Basic computer proficiency in Word and Outlook PHYSICAL REQUIREMENTS The position requires extensive use of the telephone and face-to-face communication that requires accurate perception of speech as well as talking and hearing. The position frequently requires the ability to visit employee workstations and other work areas. The position requires close vision, distant vision, and the ability to adjust focus. There is moderate noise in the work environment. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. The incumbent must have the abilities or aptitudes to perform each essential function proficiently with or without reasonable accommodation. Unitrin Direct is a dynamic work environment where positions evolve and change. Therefore, Unitrin Direct reserves the right to modify, delete, or add job duties, responsibilities and skills that are stated in this job description at any time. |
| How to apply : | Register to view |
| Third party mediation allowed : | No |
| Telecommute : | No |
