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Job Type:
Full time
Exempt/Non Exempt:
Salary
Job Description:
The Auto Club Group is seeking prospectiveMichigan APD Claim Representative IIwho canwork 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 for the remainder of the claim, and initiate documentation in the claim handling system.
Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss.
Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler.
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).
This position is assigned to the Michigan Auto Physical Damage ("APD") claim unit and 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.
We're looking for candidates who:
Education:
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.
Must have a valid State Driver's License
Experience:
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
Knowledge and Skills:
Knowledge of:
Fair Trade Practices Act as it relates to claims.
Subrogation procedures and processes
Intercompany arbitration
Essential Insurance Act (Michigan)
Fair Trade Practices Act as it relates to claims
subrogation procedures and processes
intercompany arbitration/dispute resolution
Negligence Laws and Statutes
No-Fault Law and No Fault Reform
collision repair techniques
Ability to:
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 in order to visit repair facilities, homes (for inspections), 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
strong negotiating skills
III. Preferred Qualifications
Education:
Associate degree in Business Administration, Insurance or a related field or the equivalent in related 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
I-Car 2000 training
CCC training
Xactware Training
Work Environment
This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come into an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important... For full info follow application link.
As an equal opportunity employer, ACG is committed to providing equal opportunity in all employment practices,
including but not limited to: selection, hiring, assignment, re-assignment, promotion, transfer, compensation,
evaluation, benefits, training and development, discipline and termination. The company prohibits discrimination,
harassment, and retaliation in employment based on race, color, religion, national origin, gender, sexual
preference/orientation, marital status, pregnancy, childbirth or related medical conditions, age, disability or
handicap, citizenship status, service member status, genetic information, or any other category protected by
federal, state, or local law. Violation of this policy may result in disciplinary action including termination of
employment.
