Auto Physical Damage Claim Representative

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work® in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Overview

Join Our Team as an Auto Physical Damage Claim Representative at Selective!

As an Auto Physical Damage Claim Representative at Selective you will play a crucial role in ensuring our customers receive the best service possible. As part of this role, you will manage auto claims from start to finish. You will investigate all claim details by gathering information from insureds, claimants, witnesses, and repair shop personnel to conclude settlement or denial of the claim. As an Auto Physical Damage Claim Rep you will ensure claims are processed within company policies, procedures, and individual’s prescribed authority with exceptional standards of performance. You will work in a collaborative and supportive environment, where you will have access to ongoing training and future development opportunities. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

*Please note, there are two weeks of mandatory onsite trainings. The week of 2/1/2027 will be held in our Charlotte, NC office and the week of 2/22/2027 will be held in our Richmond, VA office. 

Responsibilities

• Investigate claims through various methods of communication with claim parties. Analyze information obtained through investigation in order to evaluate assigned claims to determine the extent of loss and liability.
• Review/analyze policy forms to determine the appropriate coverage for a loss, including limits and deductibles. Escalate claims appropriately when outside scope of handling for this position.
• Establish and continuously review reserves and input claim information in the Claims System.
• Update the claims system on a continual basis to accurately reflect status of assigned file and to initiate percentage of negligence on the part of the insured to determine "chargeability".
• Document claim activity and maintain control of work through documentation and diary/task system.
• Review and approve expenses incurred to investigate process and handle a claim. Recognizes fraudulent claims activity that would be subject to SIU referral in accordance with company guidelines and subsequent referral to law enforcement or regulatory agencies.
• Direct customer to approved car rental vendor, aggressively manage car rental expenses, set up appropriate inspection and repair assignments, and process immediate removal of total loss vehicles to salvage yard.
• Close claim by issuing check or denial. Issue appropriate letters based on state regulations and company directives. Process incoming calls and correspondence from insureds, claimants and agents regarding questions or problems associated with claims. Interact with underwriters and agents on claim resolution. Utilize vendors and other resources as necessary to assist with resolving disputed claims. Explore subrogation opportunities on all claims assigned.
• May handle low complexity property losses.

Qualifications

Knowledge and Requirements

• Understanding of Commercial and Personal Automobile policy language and endorsements.
• Adjuster licenses in states requiring same (obtain within 3 months of hire).
• Exceptional customer service skills.

Education and Experience

• College degree preferred.
  1-3 years of claim handling experience preferred.

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.  

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Pay Range

USD $55,000.00 - USD $71,000.00 /Yr.
Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences – and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.