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Auto Claim Representative Jobs (NOW HIRING)

Emergent Holdings

Claim Representative III

Claim Representative I, II, III: * Verifies commercial auto coverage. * Determines compensability by thorough investigation of the claim. * Determines causal relationship to ensure appropriate ...

The AF Group

Claim Representative III

Lansing, MI

Claim Representative I, II, III: * Verifies commercial auto coverage. * Determines compensability by thorough investigation of the claim. * Determines causal relationship to ensure appropriate ...

Emergent Holdings

Claim Representative III

Claim Representative I, II, III: * Verifies commercial auto coverage. * Determines compensability by thorough investigation of the claim. * Determines causal relationship to ensure appropriate ...

Travelers

Auto Liability Claim Rep

Diamond Bar, CA

$67K - $110K/yr

As a Claim Rep, you will be responsible for managing, evaluating, and processing claims in a timely ... Provide quality claim handling of auto claims including customer contacts, coverage, investigation ...

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How much do auto claim representative jobs pay per hour?

As of Jul 19, 2026, the average hourly pay for auto claim representative in the United States is $20.71, according to ZipRecruiter salary data. Most workers in this role earn between $18.51 and $22.84 per hour, depending on experience, location, and employer.

What does an Auto Claim Representative do?

An Auto Claim Representative is responsible for handling auto insurance claims from start to finish. Their main duties include investigating accidents, assessing vehicle damage, determining liability, and working with customers and repair shops to process claims efficiently. They communicate with all parties involved, review documentation, and ensure that claims are settled according to policy terms. Strong communication and negotiation skills are essential for the role, as well as knowledge of insurance laws and procedures.

What is the difference between Auto Claim Representative vs Auto Insurance Adjuster?

AspectAuto Claim RepresentativeAuto Insurance Adjuster
CredentialsHigh school diploma or equivalent; some roles may require insurance licensesHigh school diploma; licensing often required
Work EnvironmentOffice setting, customer service interactions, claims processingField and office work, inspecting damages, negotiating claims
Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search IntentUnderstanding roles, job requirements, and differencesDamage assessment, claim settlement, and negotiation

Auto Claim Representatives primarily handle customer interactions and process claims within insurance companies, often working in an office environment. Auto Insurance Adjusters inspect damages, assess claims, and may work in the field. While both roles require similar credentials and industry knowledge, their daily tasks and work settings differ. Understanding these distinctions helps job seekers find the right position in the auto insurance industry.

What are some common challenges Auto Claim Representatives face when handling claims, and how can they be managed effectively?

Auto Claim Representatives often encounter challenges such as managing high caseloads, dealing with emotional customers, and interpreting complex policy details. Effective time management and organizational skills are essential for keeping up with multiple claims and deadlines. Developing strong communication skills can help de-escalate stressful situations with claimants, while ongoing training ensures representatives stay updated on policy changes and best practices. Collaborating closely with adjusters, repair shops, and legal teams also helps resolve claims efficiently and accurately.

What are the key skills and qualifications needed to thrive as an Auto Claim Representative, and why are they important?

To thrive as an Auto Claim Representative, you need a solid understanding of insurance policies, claim processes, and investigative techniques, typically supported by a high school diploma or relevant experience in insurance. Familiarity with claims management software, estimating tools like CCC One or Audatex, and sometimes obtaining industry certifications such as AIC (Associate in Claims) is beneficial. Strong communication, negotiation, and problem-solving skills help build rapport with clients and efficiently resolve disputes. These skills and qualifications are crucial for accurately assessing claims, ensuring customer satisfaction, and upholding the integrity of the claims process.
What states have the most Auto Claim Representative jobs? States with the most job openings for Auto Claim Representative jobs include:
What are popular job titles related to Auto Claim Representative jobs? For Auto Claim Representative jobs, the most frequently searched job titles are:
Auto Claim Representative jobs near you
Infographic showing various Auto Claim Representative job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 69% Full Time, 25% Part Time, and 5% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $43,079 per year, or $20.7 per hour.

Claim Representative III

Accident Fund Holdings, Inc.

Lansing, MI • On-site

Full-time

Posted 26 days ago

Job description


SUMMARY:
Claim Representative I:
This is the entry level professional claim handler. Exercises some discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority.
Claim Representative II:
This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority.
Claim Representative III:
This is the advanced level of the claim handler career path. Investigates claims and exercises significant discretion in the determination of compensability of claims. May handle large, more complex customers requiring high touch, labor intensive claim service. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority. Mentors lower-level claim handlers. Coordinates special projects and provides guidance to others.
RESPONSIBILITIES/TASKS:
Claim Representative I, II, III:
  • Verifies commercial auto coverage.
  • Determines compensability by thorough investigation of the claim.
  • Determines causal relationship to ensure appropriate payment of benefits.
  • Establishes timely and appropriate reserves based on the profile of the claim within given authority based on anticipated financial exposure.
  • Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.
  • Manages bills directly associated with the claim. Approves payment where appropriate.
  • Concludes and closes files following resolution of claims to meet internal performance standards while complying with state legislation to avoid penalties and manage expenses.
  • Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.
  • Works closely with manager on complex files or files above settlement/reserve authority.
  • Manages outside vendors to ensure cost containment efforts.
  • Establishes and maintains effective working relationships with all internal and external customers.
  • Stays abreast of changes in workers' compensation statutes, case law and rehabilitation efforts/advancements to accurately interpret and apply relevant laws.

ADDITIONAL RESPONSIBILITIES/TASKS:
Claim Representative II, III:
  • Administers complex claims and catastrophic exposures within authority
  • Exercises independent judgment to settle cases prior to mediation or litigation.
  • Actively participates in agent/client relationship management.
  • Assists in mentoring team members.

Claim Representative III:
  • Mentors team members.
  • Conducts audits of claim files.
  • Acts as a backup for team leader.
  • Coordinates special projects.

This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required.
EMPLOYMENT QUALIFICATIONS
EDUCATION OR EQUIVALENT EXPERIENCE:
Claim Representative I, II, III:
Bachelor's degree in a related field. Relevant combination of education and experience may be considered in lieu of degree. Continuous learning, as defined by the Company's learning philosophy, is required. Certification or progress toward certification is highly preferred and encouraged.
EXPERIENCE:
Claim Representative I:
Minimum one-year relevant experience that provides the necessary skills, knowledge and abilities or completion of claims trainee program. Bilingual skills preferred.
Claim Representative II:
Three years' experience in a commercial auto environment which provides the necessary skills, knowledge, and abilities, such as experience in reviewing, investigating, and closing claims. Experience handling claims in multiple jurisdictions preferred. Bilingual skills preferred.
OR
One year of AF Group Claims Representative I experience that includes handling of difficult or complex claims.
Claim Representative III:
Five years' experience in a commercial auto environment provides the necessary skills, knowledge, and abilities, such as experience in reviewing, investigating, and closing complex claims. Experience handling claims in multiple jurisdictions preferred. Bilingual skills preferred.
OR
Two years of AF Group Claims Representative II experience that includes discretion in determining compensability of complex claims and/or handling complex, high touch or labor-intensive customers.
SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:
Claim Representative I, II, III:
  • Ability and proficiency in the use of computers and company standard software specific to position.
  • Knowledge of medical and legal terminology related to the work.
  • Knowledge of commercial auto laws and regulations, including jurisdictional laws.
  • Effective oral and written communication skills.
  • Effective customer service skills.
  • Ability to negotiate, build consensus and resolve conflict.
  • Ability to manage multiple priorities and meet established deadlines.
  • Attention to detail and analytical skills.
  • Ability to work independently as well as within a team.

ADDITIONAL SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:
Claim Representative II, III:
  • Ability to make independent decisions.
  • Ability to solve complex problems.

Claim Representative III:
  • Ability to train and mentor others.

WORKING CONDITIONS:
Work is performed in an office setting with no unusual hazards. Minimal travel required.
PAY RANGE:
Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $64,000 and $108,700.
The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge, and ability levels associated with performing the duties and responsibilities contained in this job description.
We are an Equal Opportunity Employer. Diversity is valued and we will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract.
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