About Travelers

The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. A component of the Dow Jones Industrial Average, Travelers has more than 30,000 employees and generated revenues of approximately $25 billion in 2010.

Estimate Reviewer Auto Apprsl

Company Information
Solid reputation, passionate people and endless opportunities. That's Travelers. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy and a workplace in which you truly can make a difference.

Job Summary
Under direct supervision, this position has responsibility for reviewing estimates, negotiating, and evaluating 1st and 3rd party auto physical damage claims, including both personal and business insurance claims. The claim types will be predominately basic and some moderate physical damage coverages as it relates to damage assessment. This includes collision, property damage related to autos, rental and towing and some comprehensive; typically excludes fire, theft, flood, lightning, diminished value claims and any claims that involve injuries. The actual resolution and settlement of these claims will be the responsibility of the Auto Claim Professional. This position also has responsibility for complete claim handling (i.e. first notice of loss through resolution/settlement and payment process) on claims that meet specific criteria as defined by Auto Product guidelines. This subset of claims makes up approximately 15-20% of the total workload volume. This position will serve as a technical resource for inside auto claim staff and will provide advice and direction to claim professionals on claim damages to achieve optimal outcomes. This job does not lead others.

Primary Job Duties & Responsibilities
Deliver consistent service quality throughout the claim life cycle, including but not limited to prompt contact, explaining the process, setting expectations, on-going effective communication, follow-through and meeting commitments to achieve optimal outcome on every file. Review referred shop estimates for appropriateness and any loss economic opportunities. Negotiate with repair facilities on revisions to repair costs, including but not limited to: replacement labor times, repair labor, alternative parts usage, customary or special discounts, tax application, betterment, paint allowances, material costs, sublet repairs, deductible application, calculation errors and incidental expenses. Prepare and document accurate vehicle/equipment damage appraisals according to applicable regulatory and corporate guidelines. Electronically audit vehicle estimates utilizing technical expertise and information gathered to accurately determine physical damage claim value using company recognized resources, estimating and evaluation software. Pay the appropriate amount on each claim, including loss of use and rental reimbursement, through the use of cost containment tools. Obtain authorization to initiate payment to the customer or provide settlement amount to the assigned Claim Professional for payment on claims handled by the Auto Claim Professional. This may include presentation of facts gathered to appropriate leadership, depending on settlement amount and authority level. Partner with the Auto Claim Professional throughout the life of the claim. Partnership from initial investigation through final recovery to ensure appropriate claim resolution and pursuit of alternative recovery sources (e.g. Subrogation, SIU, etc.). Effectively manage work assignments and track savings and referrals. Actively support Auto Business Plans such as Concierge and Direct Repair programs. Achieve and maintain appropriate technical expertise, certifications and regulatory required licenses through successful completion of company and industry classes and training. Comply with all insurance department regulations and applicable laws. Provide operational intelligence to Travelers business partners through accurate data reporting. Develop and deliver training sessions on technical areas or frequently asked questions as requested. Occasional overnight travel for training as needed. Occasional Catastrophe Duty, including other offices and states may be required. For claim types that meet the specific criteria as defined by Auto Product guidelines for complete claim handling ( i.e. first notice of loss through the resolution/settlement and payment process) and are assigned to the Estimate Reviewer the following duties are concurrent with those listed above: Review and analyze coverage and apply policy conditions, provisions, exclusions, and endorsements pertinent to a variety of auto damage claims. Recognize and apply how jurisdictional issues impact the claim (i.e. negligence laws, financial responsibility/limits, immunity, etc.) Conduct damage management including properly managing the repair process i.e. mitigating storage, rental, early tow to salvage and other related expenses by working closely with rental facilities, body shops, repair facilities and other vendors. Establish timely and maintain appropriate claim and expense reserves. Develop and continually update a plan of action including maintaining an effective diary to bring the claim to resolution in a timely manner. Manage file inventory by utilizing an effective diary system and documenting claim file activities in accordance with established procedures. Communicate claim damage assessment following negotiation of value with repair facilities. Obtain authorization to initiate payment to the customer/repair facility Other duties as assigned.

Education, Work Experience & Knowledge
Associate, Bachelor's or Technical School Degree preferred. 2-5 years auto appraisal experience preferred; prior experience with insurance carrier a plus. Strong technical background including extensive knowledge of auto repair and repair techniques, including thorough understanding of auto terminology and construction.

Job Specific & Technical Skills & Competencies
Strong technical background including extensive knowledge of auto repair and repair techniques, including thorough understanding of auto terminology and vehicle construction. Thorough knowledge of claims appraisal systems and overall claim operations. Ability to promptly travel, with little or no advance notice, demonstrating effective planning, expense and cost control skills. Strong negotiation skills. Demonstrated ownership attitude and customer centric response to all assigned tasks. Commitment to continuous education i.e. I-CAR, ASE.
Job Specific Technical Competency Levels:
Analytical Thinking - Basic
Judgment/Decision Making - Basic
Communication- Basic
Negotiation- Intermediate
Insurance Contract Knowledge - Basic
Principles of Investigation - Basic
Value Determination- Intermediate
Settlement Techniques- Intermediate
Auto Technical- Intermediate

Environmental/Work Schedules/Other
Requires weekend work hours Requires extended periods (1 or more weeks) of travel as needed

Physical Requirements
Operates standard office equipment Requires extended periods of computer use Requires extended periods of sitting

Equal Employment Opportunity Statement
Travelers is an equal opportunity employer.
To apply for this position please CLICK HERE