APD Claim Representative 1 - Meemic

AAA-The Auto Club Group•Auburn Hills, MI

2d•$25 - $30•Remote

About The Position

The APD Claim Representative I investigates, evaluates, and resolves automobile physical damage claims in accordance with company policies and applicable regulations. The position reviews claim information, assesses vehicle damage, determines coverage, and coordinates repairs or settlements. Employees assigned to the Auto Physical Damage unit handle moderately complex claims, including total-loss settlements, vehicle inspections, and damage estimates. A Direct Repair Shops Examiner may also manage repair-shop compliance. Additional duties may include determining damage cause and liability, identifying subrogation potential, monitoring repairs, approving rental expenses, and handling simple APD litigation cases. The role is remote from a home office for day-to-day work, subject to occasional travel for meetings and other activities and to changes in the company’s flex-work policy. The stated schedule is Monday through Friday, 9 a.m.–6 p.m. Eastern Time. The position is hourly, with a stated pay range of $25–$30 per hour and eligibility for an annual company bonus incentive.

Requirements

High school diploma or equivalent.
Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Where required by state, be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified for the applicable state.
A valid driver’s license is required if the role’s primary responsibilities involve in-person inspections or frequent in-person meetings with members.
Six months of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, and identifying recovery opportunities in subrogation claims.
Advanced knowledge of the Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, and intercompany arbitration.
Ability to handle claims to Claim Handling Standards and follow and apply ACG Claim policies, procedures, and guidelines.
Ability to work within assigned ACG Claim systems, including basic PC software, and perform basic claim-file reviews and investigations.
Effective verbal and written communication skills and customer-service skills, including building and maintaining relationships with insureds and claimants and responding to their questions and concerns.
Ability to analyze and solve problems, make sound decisions, prioritize claim-related functions, and process time-sensitive information from multiple sources.
Ability to manage time, organize, and plan workload and responsibilities.
Ability to safely operate a motor vehicle to visit repair facilities, homes, patients, and other locations.
Ability to research, analyze, and interpret subrogation laws in various states.
Ability to travel outside the assigned territory, which may involve overnight stays, and to relocate or work evenings or weekends.

Nice To Haves

Associate degree in Business Administration, Insurance, or a related field, or equivalent 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 ProLevel training.
CCC training.
Xactware training.

Responsibilities

Review assigned claims and contact insureds and other affected parties.
Set expectations for the remainder of the claim process and initiate documentation in the claim handling system.
Analyze coverage, identify policyholder benefits, and create additional sub-claims when needed.
Investigate claim facts, determine whether claims should be paid, identify applicable limits or exclusions, and assess recovery potential.
Review damages and determine the applicability of state law and other claim-related factors.
Evaluate the financial value of losses and approve payments to appropriate parties.
Refer claims to other company units when necessary, including Underwriting, Recovery Units, and the Claims Special Investigation Unit.
Document and code claim files and complete claim closure and related activities in the claims management system.
Negotiate claim outcomes.
Handle moderately complex physical-damage claims, including settling total losses, inspecting vehicles, and preparing damage estimates.
For DRS Examiner duties, manage Direct Repair Shop compliance with the program.
As applicable, determine cause of damage and liability, identify subrogation potential, monitor repairs, approve car-rental expenses, and handle simple APD litigation cases.

Benefits

Annual company bonus incentive.
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program.
Company-paid basic life insurance, with optional supplemental life insurance and dependent coverage.
Short-term and long-term disability coverage.
Optional critical illness, accident, and pet insurance.
401(k) plan with a 50% company match on employee contributions up to 6% of pay, subject to the stated timing; immediate vesting.
Additional company contribution of 4% of pay each pay day, 100% vested after three years of service.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, eligible after 90 days of employment.
For full-time employees, up to 12 PTO days annually for new employees, with accrual based on start date and possible additional PTO based on role or state and local requirements.
For full-time employees, 10 company-paid holidays annually, one mental health day, two floating holidays, and one volunteer day.
Paid parental, bereavement, jury duty, and military leave.
Tuition assistance up to $5,250 annually, with 80% covered by ACG.
100% reimbursement for eligible professional certification programs.
Career development and advancement opportunities.
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance.