Senior Auto Physical Damage Claim Representative

MSIG USA

. Handle commercial auto physical damage claims within assigned authority and MSMM Claims Handling Guidelines .

Posted 10/2/2026full-timeCincinnati • Ohio • United StatesSenior💰 $65,000 - $80,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in handling commercial auto physical damage claims, including liability determinations, total loss evaluations, and subrogation opportunities. Proficient in compliance with claims regulations and effective communication with stakeholders.

Highest-signal resume keywords

Commercial Auto Physical Damage Claims HandlingLiability DeterminationsSubrogation OpportunitiesAdjuster License MaintenanceFraud Identification

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims ExperienceTotal Loss EvaluationCoverage VerificationRepair Operations ReviewClaims Metrics ReportingNegligence ApplicationComparative Fault RulesElectronic Claims ManagementDocumented Liability DeterminationData Quality Improvement

Soft Skills

Effective CommunicationProblem SolvingClient Service CommitmentCollaborationContinuous Improvement

Tools & Technologies

ISO ClaimSearchNICBTelematicsDigital Payment SystemsElectronic Claim Files

Certifications & Qualifications

Active Adjuster LicenseAICCPCUI-CARASE Collision Training

Industry Keywords

Claims Handling GuidelinesFraud IndicatorsUnfair Claims Settlement PracticesRental ExposuresLoss-of-UseTowing and StorageSalvageEndorsementsAppraisalsContinuing Education Requirements

About the role

Key responsibilities & impact

Handle commercial auto physical damage claims within assigned authority and MSMM Claims Handling Guidelines
Review new assignments, verify policies, vehicle schedules, coverages, and endorsements
Make documented liability determinations using reports, statements, photographs, dashcam, telematics, and scene information
Triage claims to appropriate handling channels and re-route them as damage develops
Evaluate physical damage and total losses; review appraisals, supplements, invoices, labor rates, and repair operations
Manage rental, loss-of-use, towing, and storage exposures
Identify total losses and evaluate diminished value claims
Identify subrogation opportunities, preserve evidence, notify responsible parties and carriers, and pursue recovery
Recognize fraud indicators, report to ISO ClaimSearch and NICB, and refer claims to SIU
Set and adjust reserves; escalate files exceeding authority or involving coverage, litigation, or severity concerns
Maintain complete electronic claim files and diaries
Comply with unfair claims settlement practices laws and regulations
Issue accurate electronic and digital payments to insureds, claimants, repair facilities, and lienholders
Communicate with insureds, claimants, brokers, and fleet managers via phone, email, text, and digital portals
Follow dedicated-account handling instructions and client service commitments
Contribute to continuous improvement, workflow and vendor issue resolution, data quality, and reporting on claims metrics

Requirements

What you’ll need

High school diploma or GED required
At least three years of claims experience, including three or more years handling auto physical damage claims
Commercial auto or fleet experience is strongly preferred
Active adjuster license or ability to obtain one within 90 days of hire, plus additional state licenses as required
Bachelor’s degree preferred
AIC, CPCU, I-CAR, ASE collision training, or similar industry credentials are preferred
Maintain required adjuster licenses and complete continuing education requirements
Ability to apply negligence and comparative fault rules of the governing jurisdiction
Knowledge of commercial auto physical damage claims, coverage, liability, repair, total loss, salvage, subrogation, fraud identification, and applicable claims regulations

Benefits

Comp & perks

Comprehensive medical, dental, and vision coverage
401(k) with a generous employer match and profit-sharing contribution
Wellness incentive program
Life and accidental death and dismemberment (AD&D) insurance
Flexible spending programs
Short-term and long-term disability plans
Paid time off program
Paid charitable leave
Paid parental leave
Tuition reimbursement program
Personal insurance (auto/homeowners) discounts