Auto Physical Damage Senior Claim Representative

MSIG Holdings•Cincinnati, OH

9d•Hybrid

About The Position

MSIG USA is seeking an Auto Physical Damage Senior Claim Representative to handle commercial auto physical damage claims within assigned authority and in accordance with MSMM Claims Handling Guidelines. This role involves resolving routine repairable losses directly and managing claims routed to appraisal, estimating, and salvage partners, focusing on coverage, liability, cost, and cycle time. The representative will deliver prompt, accurate, and fair results for insureds, claimants, and brokers while controlling loss costs and complying with fair claims practices.

Requirements

High school diploma or GED required.
At least three years of claims experience.
Three or more years handling auto physical damage claims.
Active adjuster license or ability to obtain one within 90 days of hire, plus additional state licenses as required.

Nice To Haves

Bachelor’s degree preferred.
Commercial auto or fleet experience is strongly preferred.
AIC, CPCU, I-CAR, ASE collision training, or similar industry credentials are preferred.

Responsibilities

Review new auto physical damage assignments at first notice of loss; verify policy, vehicle schedule, applicable coverages, and endorsements.
Identify coverage questions and potential bodily injury exposures.
Make timely, well-documented liability determinations using available evidence and applying negligence and comparative fault rules.
Triage each claim to the appropriate handling channel under the department’s physical damage routing protocol.
Evaluate physical damage, including total loss evaluation and processing, and deliver timely decisions and payments.
Review vendor appraisals, supplements, and repair invoices for accuracy.
Actively manage rental and loss-of-use, towing, and storage exposures.
Identify probable total losses early and follow established total loss and vendor management protocols.
Evaluate diminished value claims when presented.
Identify subrogation opportunities, preserve evidence, and pursue recovery.
Recognize fraud indicators and report as required.
Set and adjust reserves promptly and accurately within assigned authority.
Escalate files that exceed authority or present coverage, litigation, or severity concerns.
Maintain complete and current electronic claim files and diaries, documenting investigation, evaluation, and settlement rationale.
Comply with applicable unfair claims settlement practices laws and regulations.
Maintain required adjuster licenses and complete continuing education requirements.
Issue accurate payments to the appropriate parties.
Communicate proactively with insureds, claimants, brokers, and fleet managers.
Explain coverage, valuation, and repair decisions in clear, plain language.
Recognize dedicated accounts and follow account-specific special handling instructions.
Support continuous improvement of the in-house physical damage program by identifying vendor issues, workflow gaps, and data quality concerns.
Contribute to reporting on cycle time, severity, total loss rate, recovery, and customer satisfaction.