Senior Claim Representative – Auto Physical Damage

Intact Insurance Specialty Solutions

. Handle and resolve complex and higher-exposure specialty claims .

Posted 11/12/2026full-timeUnited StatesSenior💰 $69,000 - $98,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in handling complex specialty claims, including auto physical damage, through effective investigation, negotiation, and compliance with regulatory requirements. Proficient in policy interpretation, liability analysis, and maintaining proactive communication with all stakeholders.

Highest-signal resume keywords

Auto Physical Damage ClaimsClaims InvestigationLiability AnalysisClaim NegotiationAdjuster Licenses

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims EvaluationSettlement Action PlansComparative Negligence DecisionsClaims DocumentationFraud DetectionClaim Reserves ManagementCoverage AnalysisSubrogation OpportunitiesPolicy InterpretationDamage Evaluation

Soft Skills

Analytical SkillsOrganizational SkillsDecision-Making SkillsVerbal CommunicationWritten Communication

Certifications & Qualifications

Active Adjuster Licenses

Industry Keywords

Specialty ClaimsTrucking ClaimsFleet ClaimsHeavy Equipment ExperienceInsurance Contracts

About the role

Key responsibilities & impact

Handle and resolve complex and higher-exposure specialty claims
Provide efficient and effective disposition of assigned claims through timely investigation, evaluation, and negotiation
Operate independently within broad parameters and higher authority to resolve all claims features
Recommend and implement settlement action plans for claims exceeding authority level
Make comparative negligence decisions and use claims tools
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 throughout the life of the file
Coordinate with independent adjusters, appraisers, repair facilities, legal counsel, and other vendors
Identify fraud indicators, coverage concerns, and subrogation opportunities and take appropriate action
Negotiate and resolve claims within delegated authority while complying with company guidelines and regulatory requirements
Thoroughly document claim activity and maintain proactive communication with involved parties
Maintain knowledge of state licensing requirements, industry trends, and continuing education expectations

Requirements

What you’ll need

Bachelor’s degree or equivalent experience required
Minimum 2-6 years of auto physical damage claims
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
Prior experience handling auto physical damage claims, trucking, fleet, or specialty vehicle claims preferred
Experience managing moderate to complex liability exposures preferred
Familiarity with policy interpretation, subrogation, and coverage analysis preferred
Experience collaborating with brokers, agents, and insureds preferred
Heavy Equipment experience desired

Benefits

Comp & perks

Bonus potential
Comprehensive medical, dental and vision insurance with no waiting period
Competitive paid time off programs
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
Flexible work environment
Time-Off and Flexible Work Arrangement options
Tools, opportunities, and flexibility
Performance-led financial rewards
Professional growth and learning opportunities