Auto Physical Damage Senior Claim Representative

Mitsui Sumitomo Insurance Group; Cincinnati (OH); Hybrid; USD 65,000 - 80,000; Full time

Benefits offered by this job

Healthcare benefits

401(k) with employer match

Paid time off

Paid parental leave

Tuition reimbursement

Disability insurance

Job summary

MSIG USA in Cincinnati is seeking a Commercial Auto Physical Damage Claims Adjuster to handle claims within authorized scope, review policies, and deliver fair results for insureds, claimants, and brokers.

You will triage claims, coordinate appraisals, review vendor invoices, and manage loss costs while complying with state laws and MSIG guidelines. The role requires at least 3 years of auto PD claims experience and an adjuster license in a hybrid work setting.

Qualifications

• High school diploma or GED required; bachelor’s degree preferred.
• Active adjuster license or ability to obtain within 90 days.
• Experience handling auto physical damage claims in commercial auto/ fleet preferred.

Responsibilities

• Review auto physical damage claims at intake and verify policy, coverages, and endorsements.
• Triages claims to appropriate handling channels and coordinates appraisals and repair.
• Evaluate total losses, monitor rental and loss‑of‑use, and pursue recoveries where applicable.
• Maintain accurate electronic claim files and ensure compliance with laws.

Skills

Auto physical damage claims

Customer service

Communication skills

Education

High school diploma or GED

Bachelor’s degree preferred

Active adjuster license or ability to obtain within 90 days

Job description

MSIG USA continues to grow!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.POSITION SUMMARYHandles commercial auto physical damage 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 for insureds, claimants, and brokers while controlling loss costs and complying with applicable fair claims practices requirements.INTAKE, COVERAGE, AND LIABILITYReview 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 MANAGEMENTFollow 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.TOTAL LOSS AND SALVAGEIdentify 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 IDENTIFICATIONIdentify 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 COMPLIANCESet 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 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 SERVICECommunicate 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.QUALIFICATIONSHigh school diploma or GED required; bachelor’s degree preferred.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.AIC, CPCU, I-CAR, ASE collision training, or similar industry credentials are preferred.#LI-HYBRIDSalary: The base pay range is $65,000.00 - 80,000.00 . Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.Additional Benefits:Healthcare and Retirement BenefitsComprehensive medical, dental, and vision coverage401(k) with a generous employer match and profit-sharing contributionWellness incentive programLife and accidental death and dismemberment (AD&D) insuranceFlexible spending programsShort-term and long-term disability plansAdditional Benefit ProgramsPaid time off programPaid charitable leavePaid parental leaveTuition reimbursement programPersonal insurance (auto/homeowners) discountsIt'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.