Auto Physical Damage Claims Specialist

Role Overview

• Investigate automobile insurance claims to determine coverage, liability, and damages by reviewing policy terms, coverage limits, and exclusions.
• Communicate and collaborate with clients, claimants, agents, repair facilities, service providers, and attorneys to explain the repair and total loss processes.
• Appraise damaged vehicles and equipment using claims estimating software and prepare fair, accurate repair estimates virtually.
• Review and negotiate repair facility estimates; adjust supplements as necessary or assign independent adjusters when required.
• Manage the repair process from initiation through resolution and issue payments in accordance with authority guidelines.
• Complete total loss evaluations and explain salvage release requirements to clients and third-party claimants.
• Mitigate storage costs by coordinating vehicle transport to storage-free facilities and negotiating reduced rates with tow providers when applicable.
• Maintain accurate, thorough claim files, documentation, and activity logs in compliance with company procedures and regulatory standards.
• Identify potential subrogation opportunities, prepare supporting documentation, and submit demands to responsible parties or their carriers.
• Perform additional duties as assigned.

Requirements

• High school diploma or equivalent required; some college coursework or insurance-related education preferred.
• Minimum of two to three (2-3) years of experience as a 1st party Auto Physical Damage Adjuster.
• Active Adjuster’s license(s) as required by state(s) of operation
• Commercial Trucking claims experience required.
• Preferred experience handling specialty or heavy equipment claims.
• Current technical knowledge of auto collision repair techniques and industry standards.
• Proficiency in one or more estimating platforms, including CCC One, Mitchell, and/or Audatex.
• Strong interpersonal, negotiation, and conflict resolution skills.
• Solid understanding of insurance claims concepts, practices, and procedures.
• Excellent organizational skills with strong attention to detail.
• Demonstrated commitment to customer service and professional communication.
• Proficiency with Microsoft Office applications, including Word, Outlook, and Excel.

Benefits

• Medical, dental, and vision insurance
• 401(k) with company match
• Paid time off and holidays
• Professional development opportunities
• A supportive, collaborative work environment