Uninsured Recovery Specialist
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Job Description
Remote Recovery Specialist managing uninsured and contractual claims for a rental vehicle company. Investigating losses, negotiating settlements, and monitoring payment plans.
Responsibilities:
- Manage uninsured and contractual recovery files, including accidents and unreturned rental vehicles, from initial review through resolution
- Review claim documents, rental agreements, vehicle return records, liability information, and loss amounts to establish a clear basis for recovery
- Locate and contact responsible parties, explain outstanding obligations, and address questions or disputes professionally
- Negotiate settlements and payment arrangements within authority, considering individual circumstances and ability to pay
- Monitor payment plans, follow up on missed payments, and determine appropriate next steps
- Identify files requiring further investigation, management review, or referral to approved collection or legal partners
- Maintain accurate records of communications, negotiations, payments, and decisions
- Work closely with claims handlers, rental operations, and recovery teammates to confirm vehicle status, resolve missing information, and move files forward
- Meet recovery, service, quality, and productivity goals while following company policies and applicable requirements
- Share ideas that improve recovery processes and the experience of people interacting with the team
Requirements:
- Experience in insurance claims, recoveries, subrogation, collections, or a related customer-facing negotiation role
- Strong communication skills and the ability to handle sensitive or difficult conversations calmly
- A practical approach to negotiation, balancing recovery opportunities with realistic outcomes
- Strong organization and follow-up skills, with experience managing multiple files and deadlines
- Attention to detail and confidence reviewing documents, calculating balances, and recording decisions
- Comfort working with claims systems, spreadsheets, and digital communication tools
- Integrity, empathy, and good judgment when handling personal and financial information
- Experience with motor claims and uninsured motorist recoveries (nice to have)
- Familiarity with liability assessment, recovery documentation, and payment plan management (nice to have)
- Experience recognizing financial hardship and handling disputed claims (nice to have)
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