APD Claim Representative 1 - Meemic

Auto Club Group•Auburn Hills, MI

1d•Remote

About The Position

The APD Claim Representative 1 investigates, evaluates, and resolves low-complexity automobile physical damage claims in accordance with company policies and applicable regulations. The role reviews claim information, assesses vehicle damage, determines coverage, and coordinates repairs or settlements. Employees in the Auto Physical Damage claim unit may handle moderately complex claims, including settling total losses, inspecting vehicles, and preparing damage estimates. A DRS Examiner may also manage Direct Repair Shops for compliance with the company program. The position may include simple APD litigation cases. The position is remote for day-to-day operations from a home office, subject to the company’s Flex Work policy. Occasional travel for meetings, collaborative activities, team building, or claim-related duties may be required. The stated schedule is Monday through Friday, 9:00 a.m. to 6:00 p.m. ET. Compensation is $25.00–$30.00 per hour, with 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 an adjuster’s license is required, be eligible to obtain a State Adjuster’s license within 90 days of hire and maintain it as required by the applicable state.
A valid driver’s license is required if the 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.
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 the line Claim Handling Standards and apply ACG Claim policies, procedures, and guidelines.
Ability to work within assigned ACG Claim systems, including basic PC software.
Ability to perform basic claim file reviews and investigations.
Effective verbal and written communication skills.
Customer service skills, including building and maintaining relationships with insureds and claimants, understanding their problems, and responding to questions and concerns.
Ability to analyze and solve problems and demonstrate sound decision-making.
Ability to prioritize claim-related functions and process time-sensitive data and information from multiple sources.
Ability to manage time, organize, and plan workload and responsibilities.
Ability to research, analyze, and interpret subrogation laws in various states.
Ability to travel outside the assigned territory, potentially overnight, and relocate or work evenings or weekends when required.

Nice To Haves

Associate degree in Business Administration, Insurance, or a related field, or equivalent related work experience.
Completion of an Insurance Institute of America program such as the General Insurance Program, Associate in Claims, or Associate in Management; 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 claim documentation in the claim handling system.
Analyze coverage, identify applicable policyholder benefits, and create additional sub-claims when needed.
Investigate claim facts to determine whether a claim should be paid, applicable limits or exclusions, and possible 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 for appropriate parties.
Refer claims to other company units when necessary, including Underwriting, Recovery Units, or the Claims Special Investigation Unit.
Thoroughly document and code claim files and complete claim closure and related activities in the claims management system.
Negotiate claim settlements.
For APD claims, settle total losses, inspect vehicles, and prepare damage estimates.
For DRS Examiner assignments, manage Direct Repair Shops for compliance with the program.
As applicable, determine cause of damage, establish liability, identify subrogation potential, monitor repairs, and approve car rental expense.
May handle simple APD litigation cases.
Travel outside the assigned territory when required, potentially including overnight stays, and safely operate a motor vehicle for visits to repair facilities, homes, patients, or other locations.

Benefits

Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program with confidential support services.
Company-paid basic life insurance and 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 company match and additional company contributions, subject to eligibility and vesting terms.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, with eligibility beginning after 90 days of employment.
For full-time employees, up to 12 PTO days annually for new employees, subject to accrual and applicable terms.
For full-time employees, 10 company-paid holidays annually, plus one mental health day, two floating holidays, and one volunteer day.
Paid leave programs, including parental, bereavement, jury duty, and military leave.
Tuition assistance of 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 program.
Opportunity for an annual company bonus incentive.