Inside Claims Representative I

Job Description:

Inside Claims Representative I

Date: Nov 11, 2025

Location: Lexington, KY, US, 40513

Company: Erie Insurance

*This range represents a national range and the actual salary will depend on several factors including the scope and complexity of the role and the skills, education, training, credentials, location, and experience of an applicant, as well as level of role for which the successful candidate is hired. Position may be eligible for an annual bonus payment.

At Erie Insurance, you’re not just part of a Fortune 500 company; you’re also a valued member of a diverse and inclusive team that includes more than 6,000 employees and over 13,000 independent agencies.  Our Employees work in the Home Office complex located in Erie, PA, and in our Field Offices that span 12 states and the District of Columbia. 

Benefits That Go Beyond The Basics

We strive to be Above all in Service® to our customers—and to our employees. That’s why Erie Insurance offers you an exceptional benefits package, including:

• Premier health, prescription, dental, and vision benefits for you and your dependents. Coverage begins your first day of work.
• Low contributions to medical and prescription premiums. We currently pay up to 97% of employees’ monthly premium costs.
• Pension. We are one of only 13 Fortune 500 companies to offer a traditional pension plan. Full-time employees are vested after five years of service.
• 401(k) with up to 4% contribution match. The 401(k) is offered in addition to the pension.
• Paid time off. Paid vacation, personal days, sick days, bereavement days and parental leave.
• Career development. Including a tuition reimbursement program for higher education and industry designations.
   

Additional benefits that include company-paid basic life insurance; short-and long-term disability insurance; orthodontic coverage for children and adults; adoption assistance; fertility and infertility coverage; well-being programs; paid volunteer hours for service to your community; and dollar-for-dollar matching of your charitable gifts each year.

Position Summary

Under close supervision, handles liability and property claims within designated authority. Resolves coverage and/or liability issues in accordance with applicable state insurance laws, regulations, and procedures.

This is a remote position.  Candidate must reside within 50 miles of ERIE's Lexington, KY Branch Offices.  Hours are Monday - Friday, 8:00 am - 4:30 pm, with required evening and Saturday hours on a rotating basis.  Schedule and work location is subject to change based on business and service level requirements.

Duties and Responsibilities

• Investigates and adjudicates claims within designated authority, ensuring compliance with appropriate statutory laws. Verifies coverage, establishes and maintains reserves, secures recorded statements, drafts and processes correspondence, reports and records. Obtains additional information as required to determine liability.  Documents claim files and facilitates processing of claims in collaboration with other departments. Assigns outside experts when necessary to assist in investigation and in support of potential recovery.
• Establishes contact with all parties involved in the claim in accordance with ERIE’s expectations.
• Evaluates and negotiates claims, recognizes subrogation opportunities, and initiates action. Sets up and/or issues payment using ERIE’s approved payment methods for settlement; or declines payment within designated authority.
• Responds to inquiries from Policyholders, Agents, insurance carriers, claimants, assigned experts and others.
• Learns and maintains knowledge of liability laws for each state. Learns and maintains knowledge of motor vehicle codes. 
• Learns and maintains knowledge of no fault/medical management/FPB laws for each state, including recognition of bodily injury claims.
• With supervisor guidance, responds to intercompany arbitration applications. Files contentions and supporting documents on behalf of the insured/driver.
• Conducts research, attends industry-related training programs and other training sessions to stay current on policy changes, interpretation, or new legislation.
• Provides support for property claims during periods of heavy volume.

The first five duties listed are the functions identified as essential to the job. Essential functions are those job duties that must be performed in order for the job to be accomplished.

This position description in no way states or implies that these are the only duties to be performed by the incumbent. Employees are required to follow any other job-related instruction and to perform any other duties as requested by their supervisor, or as become clear.

Capabilities

• Self-Development
• Collaborates
• Cultivates Innovation
• Instills Trust
• Decision Quality
• Values Diversity
• Nimble Learning
• Customer Focus
• Optimizes Work Processes (IC)
• Ensures Accountability
• Detail Orientation
• Information Management Skills
• Job-Specific Knowledge

Qualifications

Minimum Educational and Experience Requirements 

• High school diploma or GED and two years of related claims handling or customer service experience, or equivalent educational experience required.  
• Bachelor’s or Associate’s degree preferred.

Designations and/or Licenses 

• Successful completion of Introduction to Insurance (INTRO) and Introduction to Claims (AIC 30) preferred.
• Obtain appropriate licenses as required by state within 45 days of employment in the role for external applicants and 90 days of employment in the role for internal applicants. 

Physical Requirements

• Manual Keying/Data Entry/inputting information/computer use; Frequent (50-80%)
• Climbing/accessing heights; Rarely
• Ability to move over 50 lbs using lifting aide equipment; Rarely
• Driving; Never
• Lifting/Moving 0-20 lbs; Rarely
• Lifting/Moving 20-50 lbs; Rarely
• Pushing/Pulling/moving objects, equipment with wheels; Rarely

Nearest Major Market: Lexington