Bodily Injury Claim Specialist - Michigan

Job Description

Claim Specialist – Bodily Injury – The Auto Club Group.

Reports to:

Casualty Claim Manager II.

Remote work possible with occasional travel; hybrid schedule preferred.

• Handle highly complex new and reassigned auto and homeowner bodily injury liability claims.
• Adhere to ACG claim handling procedures, processes and guidelines.
• Complete coverage and liability investigations, including obtaining statements from involved parties.
• Obtain required documents and reports to complete coverage and liability investigations.
• Set expectations, ensuring the claim process is explained and understood.
• Complete complex coverage analysis.
• Identify additional exposures, create appropriate referrals for additional claims and subclaims.
• Conduct thorough reviews of liability, damages, and the applicability of state law.
• Evaluate settlement range value, prepare documents related to reserve, settlement and settlement authority.
• Negotiate settlements with attorney represented and non‑represented parties.
• Utilize strong negotiation skills.
• Prepare legal releases.
• Authorize expense and indemnity payments.
• Complete referrals, when required, to underwriting, recovery, SCIU, large loss unit and HRCC.
• Document claim file memos, upload documents to claim file, complete claim coding.
• Present claim matters during meetings.
• Collaborate with the legal team.
• Provide peer mentoring.
• Assist management with special reports, projects, tasks.

Competitive salary of $75,000 to $85,000 annually with annual bonus potential based on performance.

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

• Associate degree in Business Administration, Insurance or a related field or equivalent work experience.
• Completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management or equivalent.
• CPCU coursework or designation.

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

• Three years of experience or equivalent training in negotiation of claim settlements.
• Securing and evaluating evidence.
• Subrogation claims.
• Resolving coverage questions.
• Taking statements.
• Establishing clear evaluation and resolution plans for claims.

• Advanced knowledge of Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, intercompany arbitration, handling simple litigation.
• Advanced knowledge of Negligence Law, No‑Fault Law, medical terminology and human anatomy.

• Handle claims to the line Claim Handling Standards.
• Follow and apply ACG Claim policies, procedures and guidelines.
• Work within assigned ACG Claim systems including basic PC software.
• Perform basic claim file review and investigations.
• Demonstrate effective communication skills (verbal and written).
• Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns.
• Analyze and solve problems while demonstrating sound decision making skills.
• Prioritize claim related functions.
• Process time‑sensitive data and information from multiple sources.
• Manage time, organize and plan workload and responsibilities.
• Safely operate a motor vehicle to visit repair facilities, homes, patients, etc.
• Research, analyze and interpret subrogation laws in various states.
• Travel outside of assigned territory which may involve overnight stay.
• Relocate, work evenings or weekends.

This is a hybrid work arrangement. Employees will work remotely and may be required to come into an ACG facility on a weekly, monthly or as needed basis for key meetings and collaborative activities.

Regular and reliable attendance is essential for the function of this job.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.