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Auto Physical Damage Claims Representative Jobs (NOW HIRING)

SET SEG

Auto Claims Representative

East Lansing, MI · On-site

Property/Casualty & Workers' Compensation SET SEG is looking for an Auto Claims Representative that will be responsible for the end-to-end handling of assigned auto physical damage claims, with ...

SET SEG

Auto Claims Representative

East Lansing, MI · On-site

Property/Casualty & Workers' Compensation SET SEG is looking for an Auto Claims Representative that will be responsible for the end-to-end handling of assigned auto physical damage claims, with ...

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Auto Physical Damage Claims Representative information

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$11K

$101.5K

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

As of Jun 16, 2026, the average yearly pay for auto physical damage claims representative in the United States is $100,000.00, according to ZipRecruiter salary data. Most workers in this role earn between $100,000.00 and $100,000.00 per year, depending on experience, location, and employer.

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

To thrive as an Auto Physical Damage Claims Representative, you need a solid understanding of insurance policies, vehicle repair processes, and claims procedures, typically supported by a relevant degree or insurance certifications. Familiarity with claims management systems, estimating software like CCC One or Mitchell, and digital documentation tools is essential. Strong negotiation, customer service, and organizational skills help you effectively handle client interactions and resolve claims efficiently. These abilities ensure accurate claim evaluations, customer satisfaction, and adherence to regulatory requirements in a fast-paced environment.

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

AspectAuto Physical Damage Claims RepresentativeAuto Property Damage Adjuster
CredentialsInsurance licenses, claims handling certificationsInsurance licenses, claims handling certifications
Work EnvironmentInsurance offices, repair shops, on-site inspectionsInsurance offices, on-site inspections, repair shops
Industry UsageAuto insurance claims processing for vehicle damagesAuto insurance claims for property damage, including vehicles and structures

Both roles involve handling auto insurance claims and require similar credentials. The main difference is that Auto Physical Damage Claims Representatives focus specifically on vehicle damages, while Auto Property Damage Adjusters may handle broader property-related claims, including vehicles and other property types. Understanding these distinctions helps in choosing the right career path or job search focus within auto insurance claims roles.

What does an Auto Physical Damage Claims Representative do?

An Auto Physical Damage Claims Representative is responsible for investigating, evaluating, and settling claims related to vehicle damage. They review accident reports, inspect vehicle damages, estimate repair costs, and communicate with policyholders, repair shops, and other involved parties. Their goal is to ensure that claims are handled efficiently, accurately, and in accordance with policy terms. They may also negotiate settlements and help resolve disputes to provide fair outcomes for both the insurance company and the customer.

What are some typical challenges faced by Auto Physical Damage Claims Representatives, and how can they be managed effectively?

Auto Physical Damage Claims Representatives often encounter challenges such as handling high caseloads, managing customer expectations, and staying up-to-date with evolving repair technologies. Successfully managing these challenges involves effective time management, clear communication with customers and repair shops, and continuous learning about industry trends. Building strong relationships with colleagues and external partners also helps in resolving complex claims efficiently and maintaining a positive customer experience.
More about Auto Physical Damage Claims Representative jobs
What states have the most Auto Physical Damage Claims Representative jobs? States with the most job openings for Auto Physical Damage Claims Representative jobs include:
What job categories do people searching Auto Physical Damage Claims Representative jobs look for? The top searched job categories for Auto Physical Damage Claims Representative jobs are:
Auto Physical Damage Claims Representative jobs near you
Infographic showing various Auto Physical Damage Claims Representative job openings in the United States as of June 2026, with employment types broken down into 4% As Needed, 81% Full Time, and 15% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $100,000 per year, or $48.1 per hour.
Auto Physical Damage Claims Representative

Auto Physical Damage Claims Representative

CNA

Downers Grove, IL • On-site

Full-time

Posted 17 days ago

Job description

You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.
You have a clear vision for where your career can go - and at CNA, we're committed to helping you get there. We foster a culture where people know they matter, feel connected to meaningful work, and are supported in using their talents to their fullest potential.
This individual contributor role operates under broad authority to manage commercial claims of low to moderate complexity and exposure within the Auto Physical Damage line(s) of business. The position is responsible for coordinating all aspects of the claim resolution process in accordance with company guidelines, while consistently delivering high-quality outcomes and strong customer service. Regular communication with customers, insureds, and other stakeholders is required, and the role may support designated accounts. This position offers a flexible, hybrid work schedule, requiring 2 days in a CNA office per week.
JOB DESCRIPTION:
Essential Duties & Responsibilities:
Performs a combination of duties in accordance with departmental guidelines:
  • Manages an inventory of low to moderate complexity and exposure commercial claims by following company protocols to verify policy coverage, gather necessary information, maintain appropriate file documentation and authorize disbursements within authority limit.
  • Contributes to customer satisfaction by interacting professionally and effectively with insureds, claimants and business partners, achieving quality and cycle time standards, providing regular, timely updates and responding promptly to inquiries and requests for information.
  • Verifies coverage and establishes timely and adequate reserves by reviewing and interpreting policy language, estimating potential claim valuation, and following company's claim handling protocols.
  • Exercises judgement to determine liability and compensability by conducting investigations to gather pertinent information, taking recorded statements from insureds, witnesses and working with experts to verify the facts of the claim.
  • Works with appropriate internal and external partners, suppliers and experts by identifying and effectively collaborating with necessary resources to facilitate best claim outcomes.
  • Authorizes and ensures claim disbursements within authority limit by determining liability and compensability of the claim, negotiating settlements and escalating to manager as appropriate.
  • Developing ability to manage expenses by timely and accurately resolving claims, selecting and actively overseeing appropriate resources, and delivering high quality service.
  • Identifies and addresses subrogation/salvage opportunities or potential fraud occurrences by evaluating the facts of the claim and making referrals to appropriate Claim, Recovery or SIU resources for further investigation.
  • Achieves quality standards on every file by following all company guidelines, achieving quality and cycle time targets, ensuring proper documentation and issuing appropriate claim disbursements.
  • Maintains compliance with state/local regulatory requirements by following company guidelines, and staying current on commercial insurance laws, regulations or trends for line of business.

May perform additional duties as assigned.
Reporting Relationship
Typically Manager or above
Skills, Knowledge & Abilities
  • Developing basic knowledge of the commercial insurance industry, products and claim practices.
  • Good verbal and written communication skills with the ability to demonstrate empathy while providing exceptional customer service.
  • Ability to develop collaborative business relationships with both internal and external work partners.
  • Able to exercise independent judgement, solve basic problems and make sound business decisions.
  • Analytical mindset with critical thinking skills.
  • Strong work ethic, with demonstrated time management and organizational skills.
  • Ability to manage multiple priorities in a fast-paced, collaborative environment at high levels of productivity.
  • Knowledge of Microsoft Office Suite and ability to learn business-related software.
  • Adaptable to a changing environment
  • Ability to value diverse opinions and ideas

Education & Experience:
  • High school Diploma required. Associates or Bachelor's Degree preferred.
  • Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire, where applicable.
  • Prior claim handling, or business experience in the insurance industry and/or customer service is preferred.

#LI-AR1
#LI-Hybrid
In certain jurisdictions, CNA is legally required to include a reasonable estimate of the compensation for this role. In District of Columbia, California, Colorado, Connecticut, Illinois, Maryland, Massachusetts, New York and Washington, the national base pay range for this job level is $47,000 to $78,000 annually. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. CNA offers a comprehensive and competitive benefits package to help our employees - and their family members - achieve their physical, financial, emotional and social wellbeing goals. For a detailed look at CNA's benefits, please visit cnabenefits.com.
CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact leaveadministration@cna.com.

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