Claims Representative, Unitrin Direct

 Looking for a career with growth potential, rewarding benefits, and a great working environment? Look no further. Unitrin Direct is a direct to consumer auto insurance company with the perfect balance of benefits. We offer the kind of exciting 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. In short, we're simply the right choice.  Claims Representative – Tampa, FLApply online at: https://home.eease.com/recruit/?id=1949  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). BUSINESS OBJECTIVESClaims 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. 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 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 At least four years of claims experience At least two years of Bodily Injury experience Litigation experience preferred Computer proficiency in Word and OutlookPHYSICAL REQUIREMENTSThe 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. Claims Representative – Tampa, FLApply online at: https://home.eease.com/recruit/?id=1949  Some of the benefits of working at Unitrin Direct include: Competitive pay Exceptional benefit package, including: Up to two weeks vacation during your first year plus three personal days Eight holidays per year Competitive medical plans from which to choose A choice of two dental plans Vision care included with medical coverage Flexible spending accounts for medical expense and dependent care reimbursement Unitrin Direct preferred insurance, Auto and Home Benefit Program for Employees 401(k) with company matching Defined benefit pension plan Employee assistance plan Educational reimbursement plan Health Club Discounts Business casual dress code Opportunities for growth  Unitrin Direct is an Equal Opportunity EmployerUnitrin Direct Auto Insurance is committed to equal employment opportunity for everyone. Unitrin Direct does not discriminate in employment opportunities or practices on the basis of age (40 and over), ancestry, color, religious creed, denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), national origin, race, religion, sex, or sexual orientation. To give equal employment and advancement opportunities to all people, we make employment decisions at Unitrin Direct based on each person's performance, qualifications, and abilities and how they match to the Company's needs.    Position InformationCompany:Unitrin DirectLocation:Tampa, FL 33607Status:Full Time, EmployeeJob Category:Accounting/Finance/InsuranceRelevant Work Experience:2+ to 5 Years         © Unitrin Direct Auto Insurance