Auto Physical Damage Claim Specialist

Msig USA; Cincinnati (OH); On-site; USD 85,000 - 105,000; Full time

Benefits offered by this job

Healthcare benefits

401(k) with match

Wellness program

Life/AD&D insurance

Paid time off

Parental leave

Tuition reimbursement

Job summary

MSIG USA is seeking an experienced claims professional to manage commercial auto physical damage and related lines. You will determine coverage, liability, and reserves within authority, and coordinate with appraisers, salvage partners, and vendors to ensure timely, fair outcomes.

Responsibilities include reviewing documentation, managing loss costs, and ensuring compliance with unfair claims practices laws.

Qualifications

• High school diploma or GED required; bachelor’s degree preferred.
• Active adjuster license or ability to obtain within 90 days of hire; additional state licenses as required.
• Credentials such as AIC, CPCU, I-CAR, ASE collision training or equivalent are preferred.

Responsibilities

• Review new auto physical damage assignments; verify policy, vehicle schedule, coverages and endorsements.
• Make timely liability determinations using police reports, statements, photos, dashcam data, and scene information.
• Triage claims to appropriate handling channel per routing protocol; route to appraisal, estimating, or total loss as needed.

Skills

Claims handling

Auto physical damage

Regulatory compliance

Vendor management

Education

High school diploma or GED

Bachelor's degree preferred

Job description

Company Overview

MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

Company Overview

MSIG USA continues to grow! MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

THIS POSITION IS LOCATED IN EITHER CINCINNATI OR ATLANTA

Position Summary

Handles commercial auto physical damage claims, PIP/MedPay matters, and minor to moderate bodily injury claims within assigned authority and in accordance with MSMM Claims Handling Guidelines. Resolves routine repairable losses directly and owns outcomes for claims routed to appraisal, estimating, and salvage partners, including coverage, liability, cost, and cycle time. Delivers prompt, accurate, and fair results while controlling loss costs and complying with applicable fair claims practices requirements.

INTAKE, COVERAGE, AND LIABILITY

• Review new auto physical damage assignments at first notice of loss; verify the policy, vehicle schedule, applicable coverages, and endorsements, including comprehensive, collision, specified perils, and hired and non-owned autos; identify coverage questions and potential bodily injury exposures.
• Make timely, well-documented liability determinations using police reports, statements, photographs, dashcam and telematics data, and scene information while applying the negligence and comparative fault rules of the governing jurisdiction.
• Triage each claim to the appropriate handling channel under the department’s physical damage routing protocol, including adjuster-authorized estimates, virtual appraisal, field or heavy-vehicle appraisal, and total loss; re- route claims as the damage picture develops.

DAMAGE EVALUATION AND REPAIR MANAGEMENT

• Follow established protocols to evaluate physical damage, including total loss evaluation and processing, and deliver timely decisions and payments to support efficient cycle times.
• Review vendor appraisals, supplements, and repair invoices for accuracy, including labor rates and operations, consistent with policy terms and applicable state law.
• Actively manage rental and loss-of-use, towing, and storage exposures; move vehicles promptly to limit storage accrual and resolve disputed charges.

BODILY INJURY HANDLING

• Recognize PIP, MedPay, and bodily injury exposures and establish reserves accordingly.
• Investigate and evaluate minor to moderate bodily injury claims by obtaining appropriate documentation and managing claims through resolution.
• Escalate bodily injury claims that exceed assigned authority or meet established referral criteria to ensure appropriate handling.

TOTAL LOSS AND SALVAGE

• Identify probable total losses early and follow established total loss and vendor management protocols.
• Evaluate diminished value claims when presented, based on policy terms and applicable jurisdictional law.

RECOVERY AND FRAUD IDENTIFICATION

• Identify subrogation opportunities at intake; preserve evidence; place responsible parties and carriers on notice; and pursue recovery directly or through inter-company arbitration, including recovery of the insured’s deductible.
• Recognize fraud indicators; report to ISO ClaimSearch and NICB as required; and make timely referrals to SIU in accordance with company procedures.

CLAIM ADMINISTRATION AND COMPLIANCE

• Set and adjust reserves promptly and accurately within assigned authority; elevate 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 clearly.
• Comply with applicable unfair claims settlement practices laws and regulations; maintain required adjuster licenses and complete continuing education requirements.
• Issue accurate payments, including electronic and digital payments, to the appropriate insureds, claimants, repair facilities, and lienholders.

CUSTOMER AND STAKEHOLDER SERVICE

• Communicate proactively with insureds, claimants, brokers, and fleet managers through phone, email, text, and digital portals; explain coverage, valuation, and repair decisions in clear, plain language.
• Recognize dedicated accounts and follow account-specific special handling instructions, including client reporting and service commitments.
• Support continuous improvement of the in-house physical damage program by identifying vendor issues, workflow gaps, and data quality concerns and contributing to reporting on cycle time, severity, total loss rate, recovery, and customer satisfaction.

Qualifications

• High school diploma or GED required; bachelor’s degree preferred.
• At least five 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.
• AIC, CPCU, I-CAR, ASE collision training, or similar industry credentials are preferred.

SALARY: The estimated salary range for this position is $85,000.00 - $105,000.00 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors.

Additional Benefits

• Healthcare and Retirement Benefits
• 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
• Additional Benefit Programs
• Paid time off program
• Paid charitable leave
• Paid parental leave
• Tuition reimbursement program
• Personal insurance (auto/homeowners) discounts

It’s an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!

It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.