Claims Representative

Job Description

Claims Representative – Personal Auto (Non‑Injury)

Location: Remote or Hybrid (based on location)

Job Type: Full‑Time

Pay: Starting at $55,000+ per year

About Commonwealth

Commonwealth Insurance is dedicated to delivering fair, timely, and defensible claim outcomes while protecting our policyholders through integrity, consistency, and technical excellence. Our Personal Auto Claims organization emphasizes strong decision-making, collaboration, and professional development across all levels of claims handling.

About the Role

The Non‑Injury Claims Representative (Level 1) is responsible for conducting thorough investigations, verifying coverage, assessing liability and damages, and resolving personal auto claims in alignment with fair claims settlement practices, company guidelines, and applicable state regulations.

Key Responsibilities

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• Conduct thorough investigations to gather facts and determine coverage, liability, and damages.
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• Communicate effectively with policyholders, agents, attorneys, and external partners throughout the claim process.
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• Support leadership with analysis, problem‑solving, and decision‑making that contributes to fair and timely claim settlement.
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• Document claim activities clearly, accurately, and in a timely manner.
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• Follow up on outstanding issues and resolve claim matters promptly.
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• Maintain compliance with state regulations and jurisdictional guidelines.
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• Complete claim assignments accurately and within required timeframes.
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• Meet or exceed internal standards for quality, documentation, and file disposition.
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• Contribute positively to a collaborative team environment while independently managing your own claim inventory.
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Required Qualifications

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• Bachelor’s degree preferred but not required.
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• 1+ year(s) of Personal Auto claims handling experience, including coverage and liability investigations.
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• Non‑Standard Auto experience is a plus.
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• Proficiency with Microsoft Office; experience with JW File Handler is a plus.
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• Strong organizational, analytical, and problem‑solving skills.
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• Excellent written and verbal communication abilities.
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• Active Arizona or Texas Adjuster License, or ability to obtain within 90 days of hire.
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Our Culture

• “One Team” mindset & collaboration. We value team cohesiveness, unity, proactive claim activity, and taking ownership - demonstrating a true one team philosophy across our claims operations.

• Professional & practical environment. We maintain a casual professional standard to serve customers and partners effectively while keeping operations smooth and respectful.

• Process driven & customer focused claims. Clear handoffs, timely responses, and diligent documentation are core to how we work.

What We Offer

• Competitive compensation aligned with experience.

• Medical, dental, and vision insurance.

• Paid time off and paid holidays.

• 401(k) with company contribution.

• Life and disability insurance.

• A collaborative claims culture focused on growth, quality, and accountability.

EEO Statement

We are an equal opportunity employer and consider all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.