Claim Representative – Auto Physical Damage

Intact Insurance Specialty Solutions

. Conduct timely contacts and investigations to determine coverage, assess liability, and evaluate damages .

Posted 11/12/2026full-timeUnited StatesJunior💰 $62,000 - $88,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in claims investigation, liability assessment, and negotiation while maintaining compliance with regulatory requirements. Proficient in analyzing policy language and managing multiple priorities in a fast-paced environment.

Highest-signal resume keywords

Claims InvestigationLiability AnalysisClaim NegotiationActive Adjuster LicensesAuto Physical Damage Claims

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Coverage InvestigationsDamages EvaluationClaim Reserve ManagementFraud DetectionSubrogation AnalysisPolicy InterpretationDocumentation ManagementAnalytical SkillsDecision-Making SkillsOrganizational Skills

Soft Skills

Verbal CommunicationWritten CommunicationAttention to DetailMulti-Priority Management

Certifications & Qualifications

Adjuster Licenses

Industry Keywords

Claims ExperienceHeavy EquipmentTrucking ClaimsFleet ClaimsSpecialty Vehicle ClaimsContinuing Education

About the role

Key responsibilities & impact

Conduct timely contacts and investigations to determine coverage, assess liability, and evaluate damages
Review policy language, endorsements, certificates of insurance, and applicable contracts to identify coverage and exposures
Obtain and analyze statements, reports, photographs, estimates, and other documentation supporting claim decisions
Establish, monitor, and adjust claim reserves to accurately reflect claim exposure
Coordinate with independent adjusters, appraisers, repair facilities, legal counsel, and other vendors
Identify potential fraud indicators, coverage concerns, and subrogation opportunities, and take appropriate action
Negotiate and resolve claims within delegated authority in compliance with company guidelines and regulatory requirements
Document claim activity thoroughly and maintain proactive communication with involved parties
Maintain knowledge of state licensing requirements, industry trends, and continuing education expectations
Independently resolve lower exposure claims and recommend or implement settlement action plans for claims exceeding authority

Requirements

What you’ll need

Bachelor’s degree preferred or equivalent claims technical experience required
1-3 years of claims experience
Working knowledge of coverage investigations, liability analysis, damages evaluation, and claim negotiation
Strong analytical, organizational, and decision-making skills
Excellent verbal and written communication abilities
Ability to manage multiple priorities in a fast-paced environment while maintaining attention to detail
Active adjuster licenses or the ability to obtain required licenses as needed
Heavy Equipment experience desired
Prior experience handling auto physical damage claims, trucking, fleet, or specialty vehicle claims preferred
Familiarity with policy interpretation, subrogation, and coverage analysis preferred
Experience collaborating with brokers, agents, and insureds preferred

Benefits

Comp & perks

Competitive paid time off programs
Comprehensive medical, dental and vision insurance with no waiting period
401(k) savings and annual contributions of up to 12% of annual salary
Mental health support programs
Life and disability insurance
Paid parental leave
Additional voluntary benefits
Bonus potential for full-time employees
Flexible work environment
Flexible work arrangement options
Performance-led financial rewards
Tools, opportunities, and flexibility to support employee goals