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Auto Physical Damage Claims Director Jobs (NOW HIRING)

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Auto Physical Damage Claims Director information

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$83.5K

$126.9K

$178K

How much do auto physical damage claims director jobs pay per year?

As of Sep 12, 2026, the average yearly pay for auto physical damage claims director in the United States is $126,879.00, according to ZipRecruiter salary data. Most workers in this role earn between $105,500.00 and $141,000.00 per year, depending on experience, location, and employer.

What does an auto physical damage claims director do?

An Auto Physical Damage Claims Director oversees the management and resolution of auto physical damage claims within an insurance company. They are responsible for setting policies and procedures, ensuring claims are handled efficiently and in compliance with regulations, and leading a team of claims professionals. This role involves strategic planning, quality assurance, training, and often collaborating with other departments such as underwriting and customer service. The director also monitors claim trends, manages budgets, and works to improve customer satisfaction and operational effectiveness.

What are the key skills and qualifications needed to thrive as an auto physical damage claims director?

To thrive as an Auto Physical Damage Claims Director, you need deep expertise in auto claims management, insurance regulations, and a bachelor’s degree in business or a related field, often complemented by advanced industry certifications. Familiarity with claims management software, estimating tools like CCC ONE, and proficiency with data analysis systems are typically required. Outstanding leadership, negotiation, and strategic decision-making skills set top performers apart in this role. These abilities are crucial for ensuring efficient claims operations, regulatory compliance, and exceptional customer satisfaction in a competitive insurance market.

What are some common challenges faced by an auto physical damage claims director, and how can they be effectively managed?

An Auto Physical Damage Claims Director often faces challenges such as balancing claim accuracy with efficiency, managing a high volume of complex claims, and ensuring regulatory compliance across multiple jurisdictions. Effective management involves implementing streamlined claims processes, leveraging technology for tracking and reporting, and fostering continuous training for the team to stay updated on industry best practices. Strong leadership and clear communication are key to building a collaborative environment where team members feel supported in resolving issues and delivering excellent customer service.

What is the difference between Auto Physical Damage Claims Director vs Auto Claims Adjuster?

AspectAuto Physical Damage Claims DirectorAuto Claims Adjuster
CredentialsRelevant insurance certifications, management experienceInsurance licensing, claims adjusting certifications
Work EnvironmentLeadership roles, overseeing teams, strategic planningField or office-based, handling individual claims
Employer & Industry UsageInsurance companies, large auto insurersInsurance companies, independent adjusters
Search & Comparison IntentUnderstanding leadership roles in claims managementLearning about claims adjustment process

The Auto Physical Damage Claims Director typically oversees claims teams, manages complex cases, and develops strategies for damage assessments, requiring leadership skills and industry experience. In contrast, the Auto Claims Adjuster handles individual claims, assesses damages, and negotiates settlements. While both roles require insurance knowledge and certifications, the director's role is more strategic and managerial, whereas the adjuster focuses on claim evaluation and customer interaction.

What are popular job titles related to Auto Physical Damage Claims Director jobs?

For Auto Physical Damage Claims Director jobs, the most frequently searched job titles are:

Infographic showing various Auto Physical Damage Claims Director job openings in the United States as of September 2026, with employment types broken down into 2% As Needed, 73% Full Time, 20% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $126,879 per year, or $61 per hour.

Auto Physical Damage Estimator - Field

Boston, MA • On-site, Remote

American Automobile Association
Non-Profits • 10K+ employees

$74K - $99K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 20 days ago


AAA The Auto Club Group rating

7.4

Company rating: 7.4 out of 10

Based on 284 frontline employees who took The Breakroom Quiz


Job description

Auto Physical Damage Estimator - Field
Job Summary
This position supports the Auto Physical Damage Operation by providing material damage claims handling for insurance policies written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements. The primary functions include analyzing and evaluating vehicle damage to assist in writing estimates, reviewing estimates, validating compliance and determining repair costs. Communication with members, vehicle owners, body shops and others will be required pertaining to repair process and costs. Works within specific limits and authority to resolve claims with well-defined procedures. Work typically includes repairs and total loss estimation of moderate to significant complexity.
Job Duties
  • Utilize physical inspections to complete accurate and thorough estimates for vehicle repair that are compliant with company guidelines, industry standards and applicable laws and regulations. Evaluation will include determining accident related damages and vehicle repairability.
  • As part of the estimating process, communicate and interact with a variety of individuals including insureds, claimants, repair facilities, internal claims staff and others. Explain the claim process, repair process, coverage or policy language as applicable. This could be through verbal conversations or in writing, all while in compliance with regulatory and stautory requirements.
  • Providing clear and concise documentation to support estimated damage via photos and detailed descriptions in claim files on company systems.
  • Negotiate within settlement authority to resolve claims. Including dispute resolution regarding repair costs and/or coverage.
  • Coordinate with internal departments
  • Respond quickly to customer needs and inquiries
  • Must be able to assist with Catastrophe duties as required
  • This position requires a higher degree of discretion and independent judgment in analysis and problem solving to effectively manage losses. Determine policy obligations by assessing damage components of the loss. Investigate and differentiate between allegations and facts in each loss. Respond quickly and effectively to customer needs and problems.
  • Determine policy obligations by assessing the damage from the loss and comparing it to the facts of loss.
  • Independently resolve claim exposures within level of authority.

Qualifications
  • State of Massachusetts Motor Vehicle Damage Appraiser license required.
  • Associates Equivalent combination of education and experience Preferred
  • Vocational Equivalent combination of education and experience Preferred
  • Bachelors Equivalent combination of education and experience Preferred
  • 4-6 years Claims experience Preferred
  • 4-6 years Estimating experience Preferred
  • Advanced understanding of automotive repair processes, vehicle systems and damage assessment. Ability to accurately estimate repair costs and a detailed understanding of estimating software platforms.
  • Knowledge of Microsoft Office suite, general computer software and advanced line of business technical software skills required. (CCC Estimating Platform)
  • Excellent organization and planning recognition skills required
  • Excellent oral and written communication skills required
  • Interpersonal skills required
  • Customer service experience required
  • Judgment/Decision making. Ability to identify and resolve complex issues related to damage assessment and repair cost.
  • Commitment to continuous education
  • Must be flexible to assist on Catastrophe duty within the extended organization.
  • Valid Driver's License, acceptable Department of Motor Vehicles record and minimum liability insurance - Issued by State Required
  • Collision Repair & Refinish Certification Tests (B Series) - Automotive Service Excellence Industry certifications such as I-CAR Platinum or ASE Preferred

The starting pay range for this position is $74,500 - $99,500 annually. Additionally, you will be eligible to participate in our incentive program based upon the achievement of organization, team and personal performance.
Remarkable benefits:
• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance,
travel, entertainment, services and more!)
Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity - we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.
"Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value."
AAA is an Equal Opportunity Employer
Our organization participates in E-Verify

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American Automobile Association logo

About American Automobile Association

Sourced by ZipRecruiter

The American Automobile Association (AAA), headquartered in Heathrow, Florida, USA, is a reputable force in the automotive and insurance industry. Originating in 1902, it began as a coalition of motor clubs with the common goal of providing better roads and travel conditions for motorists. Today, AAA is a comprehensive, multifaceted organization that offers a range of services, including roadside assistance, auto repair services, travel agency services, and diverse insurance products - Auto, Home, Life and more. A significant principle for AAA is to continuously deliver value to their 61 million members through safety, security and peace of mind. The company's mission and core values focus on championing its members' rights and interests, advocating innovation, integrity, teamwork and respect.

Industry

Non-profits

Company size

10,000+ Employees

Headquarters location

Heathrow, FL, US

Year founded

1902

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