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Subrogation information

See Indiana salary details

$45.7K

$65.2K

$79.9K

How much do subrogation jobs pay per year?

As of Sep 15, 2026, the average yearly pay for subrogation in Indiana is $65,234.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,800.00 and $74,700.00 per year, depending on experience, location, and employer.

What is subrogation?

A subrogation job involves recovering money from a third party who is responsible for causing financial loss, typically in insurance claims. Subrogation specialists investigate claims, analyze liability, and negotiate settlements to reimburse their company or clients. They work closely with adjusters, attorneys, and policyholders to ensure proper compensation. This role requires attention to detail, strong communication skills, and knowledge of insurance laws and policies.

What does someone in subrogation do?

In a Subrogation role, your daily responsibilities often include reviewing insurance claims to identify opportunities for recovery, investigating facts to determine liability, and working closely with insured parties, third parties, and legal representatives. You'll negotiate settlements, prepare and submit necessary documentation, and track the progress of active recovery cases. Additionally, you'll collaborate with other claims adjusters, legal teams, and sometimes attend court hearings or arbitration as needed. This position demands a mix of investigative work, negotiation, and attention to detail to maximize recovery on paid claims.

What are the key skills and qualifications needed to thrive in subrogation?

To thrive in Subrogation, you need a background in insurance claims, legal principles, and investigative research, often supported by a degree in business, law, or a related field. Proficiency with claims management systems, insurance software, and knowledge of subrogation protocols or relevant certifications like CSRP (Certified Subrogation Recovery Professional) are highly beneficial. Excellent negotiation, analytical thinking, and effective communication skills distinguish top performers in this role. These skills ensure successful recovery of claim costs, collaboration with legal teams, and thorough documentation in a fast-paced environment.

How do you become a subrogation adjuster?

To become a subrogation adjuster, typically one needs a high school diploma or equivalent, along with experience in insurance claims or claims adjusting. Many employers prefer candidates with a relevant license or certification, such as the Adjuster License, and strong negotiation and analytical skills. Gaining knowledge of insurance policies and legal procedures is also beneficial.

What are the most commonly searched types of Subrogation jobs in Indiana?

The most popular types of Subrogation jobs in Indiana are:

What are popular job titles related to Subrogation jobs in Indiana?

For Subrogation jobs in Indiana, the most frequently searched job titles are:

What job categories do people searching Subrogation jobs in Indiana look for?

The top searched job categories for Subrogation jobs in Indiana are:

What cities in Indiana are hiring for Subrogation jobs?

Cities in Indiana with the most Subrogation job openings:

Subrogation jobs near you
Infographic showing various Subrogation job openings in Indiana as of September 2026, with employment types broken down into 100% Full Time. Highlights an 75% In-person, and 25% Remote job distribution, with an average salary of $65,234 per year, or $31.4 per hour.

Senior Claims Representative

Princeton, IN • On-site

MSIG Holdings USA, Inc.
Insurance Services • 501 - 1,000 employees
Learn more about MSIG Holdings USA, Inc.external

Other

Posted 20 days ago

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.
Summary/Job Purpose:
This position is responsible to adjust assigned claims within delegated limits of authority, conduct timely and thorough investigations, handle subrogation claims, and complete fair and equitable claim settlements in accordance with MSMM Claim Handling Guidelines and/or requirements of principals regarding TPA business to ensure services are provided in a fair, equitable and timely manner.
Essential Functions:

  • Receives new claim assignments of a moderate to complex nature and analyzes the nature of the claim to determine required investigation and handling. Determines and identifies indemnity issues or questions of coverage in accordance with MSMM Claims Handling Guidelines and/or requirements of principals regarding TPA business.
  • Performs timely and thorough investigations including necessary survey arrangement in compliance with all jurisdictional requirements and/or entitlements.
  • Conducts an informed case analysis to initiate reserve changes within assigned authority and makes recommendations to supervisor or manager where assigned authority is exceeded.
  • Manages, controls and negotiates timely and equitable claim payments and settlements in accordance with jurisdictional and fair claims practice requirements and company policy and procedures. Investigates, evaluates and resolves moderate level claims files.
  • Maintains current case diary and ensures retention of appropriate hard copy file documentation. Provides accurate claims system documentation as required by company claim manuals and procedures. Responsible for completion and/or submission of claim forms and reports as required by outside agencies.
  • May handle subrogation of claims within delegated limits of authority, including identification of responsible parties, preparation of claim notice, correspondence with carriers, and negotiation of settlement in accordance with MSMM Recovery Procedures.
  • May be required to assign the defense of lawsuits to approved defense counsel; directs and monitors quality and performance of defense counsel. Maintains compliance with all requirements of the company's Litigation Management Program. Reviews and adjusts, where appropriate, fee bills and legal expenses for accuracy and reasonableness.
  • Services the claim needs of our customers including insureds, claimants, brokers, etc., in accordance with company policy and procedures, and attends client visitations with underwriters and other parties to conduct presentations and reviews.
  • Maintains ongoing communication with all customers throughout the claims process in an effort to provide timely and appropriate claim status as appropriate and/or required by statutory regulations.
  • Completes timely and accurate data reports to state reporting agencies to ensured full compliance with MSMM and regulatory requirement.
  • Maintains full compliance with all regulatory Fair Claim Practices Acts and state and federal regulations.
  • Mainains full compliance with all state licensing and continuing education requirements to ensure current and appropriate filing/standing of all adjuster licenses.

Supervisory Responsibilities:
This position has no supervisory responsibilities.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience Required:
Diploma/Degree & Experience
  • High School Degree or G.E.D. is required. Bachelor's degree (B. A.) is preferred.
  • 5+ years of claims experience, including ability to successfully negotiate settlements, verify coverage, appropriately set reserves, successfully complete investigations and understand rules associated with state regulations

It'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.

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