APD Claim Representative I - Meemic

AAA-The Auto Club Group•Auburn Hills, MI

2d•$25 - $30•Remote

About The Position

As an Auto Claim Representative I, you will be responsible for investigating, evaluating, and resolving low complexity automobile physical damage claims in accordance with company policies and applicable regulations. Reviews claim information, assesses vehicle damage, determines coverage, and coordinates repairs or settlements. Claim handling responsibilities will include reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim process, and initiating documentation in the claim handling system. You will complete complex coverage analysis, ensure all possible policyholder benefits are identified, and create additional sub-claims if needed. This role involves completing 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. You will 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, and approve payments for the appropriate parties accordingly. Claims will be referred to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit). You will thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system, utilizing 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 determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense. May handle simple APD Litigation cases.

Requirements

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 state
A 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
Six months of experience or equivalent training in negotiation of claim settlements
Six months of experience or equivalent training in securing and evaluating evidence
Six months of experience or equivalent training in preparing manual and electronic estimates
Six months of experience or equivalent training in subrogation claims-identifying recovery opportunities
Advanced knowledge of: Essential Insurance Act (Michigan)
Advanced knowledge of: Fair Trade Practices Act as it relates to claims
Advanced knowledge of: subrogation procedures and processes
Advanced knowledge of: intercompany arbitration
Ability to handle claims to the line Claim Handling Standards
Ability to follow 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 review and investigations
Ability to demonstrate effective communication skills (verbal and written)
Ability to demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns
Ability to analyze and solve problems while demonstrating sound decision-making skills
Ability to prioritize claim related functions
Ability to process time sensitive data and information from multiple sources
Ability to manage time, organize and plan workload and responsibilities
Ability to safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
Ability to research analyze and interpret subrogation laws in various states
Ability to travel outside of assigned territory which may involve overnight stay
Ability to relocate, work evenings or weekends

Nice To Haves

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 ProLevel training
CCC training
XACT ware Training

Responsibilities

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.
Settling Total Losses
Inspecting vehicles and preparing estimates of damage.
Manage Direct Repair Shops for compliance with our program (if in DRS Examiner role).
Determining cause of damage
Establishing liability
Identifying subrogation potential
Monitoring repairs and approving car rental expense.
Handle simple APD Litigation cases.

Benefits

PTO, paid sick leave
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program (confidential support services).
Company-paid basic life insurance.
Optional supplemental life insurance and dependent coverage.
Short-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
401(k) plan
Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting.
Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.
Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.
Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.
Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
10 company-paid holidays annually (for full-time employees)
1 mental health day (for full-time employees)
2 floating holidays (for full-time employees)
1 volunteer day (for full-time employees)
8 company-paid holidays annually (for part-time employees)
1 mental health day (for part-time employees)
2 floating holidays (for part-time employees)
Paid leave programs, including parental, bereavement, jury duty, and military leave.
Tuition assistance (up to $5,250 annually; 80% covered by ACG).
Professional certification support with 100% reimbursement for eligible programs.
Opportunities for career development and advancement.
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance program.