APD Claim Representative II - Michigan

Job Type:Full time Exempt/Non Exempt:

Salary

Job Description:

Location Details:

Remote Position Schedule /

Shift: Monday-Friday 9am-6pm ET

Position Summary:

As an Auto Liability Michigan Claim Representative II , you will play a pivotal role in delivering exceptional claim outcomes while making a meaningful difference in customers' lives during challenging situations. In this dynamic and fast-paced role, you will investigate, evaluate, negotiate, and resolve automobile liability claims with confidence and expertise, ensuring compliance with Michigan insurance laws, company guidelines, and regulatory requirements.

Leveraging strong analytical, problem-solving, and negotiation skills, you will assess liability, gather critical facts, and drive fair, timely claim resolutions.

Key Responsibilities:

Claim handling responsibilities will include the following :

Reviewing assigned claims

Contacting the insured and other affected parties

Setting expectations for the remainder of the claim process

Initiating documentation in the claim handling system

Complete complex coverage analysis

Ensure all possible policyholder benefits are identified

Create additional sub-claims if needed

Complete an investigation of the facts regarding the claim to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential.

Conduct thorough reviews of 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 the following: determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense.

May handle simple APD Litigation cases.

Qualifications:

Required Education (including minimum education and any licensing/certifications):

High school diploma or equivalent

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 stateA 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

Experience:

One years of experience or equivalent training in the following:negotiation of claim settlements securing and evaluating evidence preparing manual and electronic estimatessubrogation claims-identifying recovery opportunities resolving coverage question staking statements establishing clear evaluation and resolution plans for claims

Knowledge of:

Advanced knowledge of:

Essential Insurance Act (Michigan)
Fair Trade Practices Act as it relates to claimssubrogation procedures and processes intercompany arbitration handling simple litigation

Negligence Law No-Fault Law collision repair techniques

Skills:

handle claims to the line Claim Handling Standards follow and apply ACG Claim policies, procedures and guidelines work within assigned ACG Claim systems including…