APD Claim Representative II - Michigan

Key Skills

• Resolving coverage questions
• Essential Insurance Act (Michigan)
• Collision repair techniques

Reports to:

APD Claim Manager I

It’s a great time to join AAA The Auto Club Group! Join the team committed to driving your career forward. This is a full time, exempt position with salary.

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

The Auto Club Group is seeking an Auto Claim Representative II who works under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside units. Resolve coverage questions, take statements and establish clear evaluation and resolution plans for claims.

In this position, you will have the opportunity to:

• review assigned claims, contact the insured and other affected parties, set expectations, and initiate documentation in the claim handling system.
• complete coverage analysis including a review of policy coverages and provisions, the applicability to the reported loss.
• identify all possible policyholder benefits, create additional sub-claims if needed, or refer complex claims to management or the appropriate claim handler.
• investigate the facts regarding the claim to determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential.
• review damages and determine the applicability of state law and other factors related to the claim.
• evaluate the financial value of the loss, approve payments for the appropriate parties accordingly.
• refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).
• thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.
• utilize strong negotiating skills.

Employees assigned to Auto Physical Damage (“APD”) claim unit will handle moderately complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage. If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program. Additional responsibilities may include determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense. May handle simple APD Litigation cases.

None

Claim Representative II will earn a competitive salary of $59,134.30– $79,000 annually with annual bonus potential based on performance.

Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include:

• 401k Match
• Medical
• Dental
• Vision
• PTO
• Paid Holidays
• Tuition Reimbursement

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• In states where an Adjuster’s license is required, the candidate must be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states.
• A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.

• One year of experience with negotiating claim settlements.
• Securing and evaluating evidence.
• Preparing manual and electronic estimates.
• Subrogation claims, including identifying recovery opportunities.
• Resolving coverage questions.
• Taking statements.
• Establishing clear evaluation and resolution plans for claims.

• Essential Insurance Act (Michigan)
• Fair Trade Practices Act as it relates to claims.
• Subrogation procedures and processes.
• Intercompany…