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Auto Physical Damage Claims Representative Jobs (NOW HIRING)

SET SEG

Claims Representative - Auto

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

Claims Representative - Auto

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

Claims Representative - Auto

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 ...

NYCM

Auto Physical Damage Examiner (Hybrid)

Sherburne, NY · On-site

$44K - $69K/yr

Manage claims involving all types of auto physical damage, including total loss, repairable, glass, towing/roadside assistance, and rental. * Manage cycle times and experience through thorough file ...

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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 Aug 28, 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 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 the key skills and qualifications needed to thrive as an auto physical damage claims representative?

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 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.

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.

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 August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 18% Part Time, 1% Temporary, 3% Contract, and 1% Nights. 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-Owners Insurance

Westborough, MA • On-site

$60K - $75K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 13 days ago

Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

22nd of 314 rated insurance

Job description

A career at Concord Insurance Group is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Job Description
The Branch Claims Representative investigates, evaluates, and determines the appropriate disposition of all types of claims arising out of the Company's business. This job also provides service to agents, insureds, and others in the course of handling those claims to their conclusion. Work is performed under general supervision.
Responsibilities
  • Assemble facts, determine coverage, evaluate the amount of loss, and analyze legal liability
  • Make payments in accordance with coverage, damage, and liability determination and perform other functions or duties to properly adjust the loss
  • Study insurance policies, endorsements, and forms to develop foundational knowledge of Company insurance products
  • Learn and comply with claim handling procedures
  • Develop skills in claim negotiations and settlements
  • Effectively service needs of agents, insureds, and others
  • Meet with people involved with claims, sometimes outside of our office environment
  • Obtain and maintain appropriate adjuster's license(s) as required
  • Complete relevant continuing education programs as required
  • Maintain punctual attendance according to an assigned work schedule at a Company approved work location
  • Handle claims activities and investigations by phone, mail, and occasional on-site investigations
  • Use technology-based information for reference, enter information into computer systems and develop specialized skills, including but not limited to property estimating, auto estimating, and use of computer-based programs as tools
  • Work on increasingly complex claims as assigned

Requirements
  • Bachelor's degree or direct equivalent experience with property/casualty claims handling
  • Ability to read, interpret, and react to documents such as insurance policies, procedure manuals, and legal documents
  • Ability to assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
  • Ability to write reports and compose correspondence
  • Ability to communicate, in both oral and written formats, in a polite, clear, concise, and accurate way
  • Ability to demonstrate good problem-solving and interpersonal skills
  • Ability to accurately deal with mathematical problems, including geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents)
  • Ability to effectively deal with a diverse group of individuals and managed varied factual circumstances
  • Ability to organize assigned work
  • Ability to maintain confidentially and data security
  • Ability to maintain a professional image
  • Ability to demonstrate basic knowledge in insurance policy review and sound organization of both investigation material and work to meet Company customer service standards
  • Ability to perform job functions independently

Benefits
At The Concord Group, we're proud to offer a comprehensive benefits package designed to support the wellbeing of our associates. This includes medical, vision, dental, life insurance, disability insurance, and a generous paid time off program for vacation, personal, sick time, and holiday pay. Additional benefits include parental leave, adoption assistance, fertility treatment assistance, a competitive 401(k) plan with company match, gym member/fitness class reimbursement, and additional resources and programs that encourage professional growth and overall wellness.
Why Concord Group Insurance
Since 1928, The Concord Group has been protecting families and small businesses across New England with trusted, personal insurance solutions. The Concord Group is a member of The Auto Owners Group of Companies and is recognized as a leading insurance provider through the independent agency system. Rated A+ (Superior) by AM Best, the company is represented by more than 550 of the best local independent agents throughout Maine, Massachusetts, New Hampshire, and Vermont.
At Concord Group, we believe in more than just insurance, we believe in our people. Our associates thrive in a supportive, collaborative workplace where community involvement, professional growth, and shared values drives everything we do.
Starting your career with The Concord Group means joining a team that values people first and gives you the opportunity to grow, give back, and make a lasting difference in the lives of those we serve.
Compensation
We are dedicated to fair and competitive total compensation package that supports the wellbeing and success of our associates. In addition to this, we offer other components like bonus opportunities. For this position, the anticipated annualized starting base pay range is: $60,000 - $75,000.
Equal Employment Opportunity
The Concord Group is an equal opportunity employer and hires, transfers, and promotes based on ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state, or local law.
The Concord Group participates in E-Verify.

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