APD Claim Representative I - Meemic

Auto Club Group•Auburn Hills, MI

1d•Remote

About The Position

The APD Claim Representative I 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 total-loss settlements, vehicle inspections, and damage estimates. A DRS Examiner may also manage Direct Repair Shops for compliance with the program. Additional work may include determining cause of damage and liability, identifying subrogation potential, monitoring repairs, approving rental-car expenses, and handling simple APD litigation cases. The position is remote and is scheduled Monday through Friday, 9 a.m.–6 p.m. ET. Day-to-day work is generally performed from a home office, with occasional travel for meetings, collaborative activities, team building, or claim-related duties as specified by leadership. The remote-work arrangement is subject to change under the ACG Flex Work policy. The hourly pay range is $25.00–$30.00, with the opportunity for an annual company bonus incentive. ACG offers health, insurance, retirement, time-off, leave, education, and other benefits. The posting is expected to remain open through October 20, 2026, but may close earlier once a qualified candidate pool is identified.

Requirements

High school diploma or equivalent.
Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Where a state Adjuster’s license is required, be eligible to acquire the license within 90 days of hire and maintain it as required by the 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.
Knowledge of the Essential Insurance Act (Michigan), the 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 follow and apply ACG Claim policies, procedures, and guidelines.
Ability to work within assigned ACG Claim systems, including basic PC software.
Ability to conduct basic claim-file reviews and investigations.
Effective verbal and written communication skills.
Customer-service skills and ability to build and maintain relationships with insureds and claimants, understand their problems, and respond to questions and concerns.
Ability to analyze and solve problems while demonstrating sound decision-making skills.
Ability to prioritize claim-related functions and process time-sensitive data and information from multiple sources.
Ability to manage time and 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 involving overnight stays.
Ability to relocate and work evenings or weekends, as stated in the qualifications.

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.
Conduct coverage analysis and identify applicable policyholder benefits.
Create additional sub-claims when needed.
Investigate claim facts to determine whether a claim should be paid, applicable limits or exclusions, and potential recovery opportunities.
Review damages and determine the applicability of state law and other relevant 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.
Document and code claim files thoroughly and complete claim-closure and related activities in the claims management system.
Use negotiating skills to resolve claims.
For APD claims, settle total losses, inspect vehicles, and prepare damage estimates as applicable.
For DRS Examiner work, manage Direct Repair Shops for compliance with the program.
As applicable, determine the cause of damage, establish liability, identify subrogation potential, monitor repairs, and approve car-rental expenses.
Handle simple APD litigation cases as applicable.
Travel to repair facilities, homes, or other locations for inspections or meetings when required.
Safely operate a motor vehicle for required claim-related visits.

Benefits

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.
Critical illness, accident, and pet insurance options.
401(k) plan with a 50% company match on employee contributions up to 6% of pay, immediate vesting, and an 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; full-time new employees receive up to 12 PTO days annually, with eligibility at 90 days of employment.
Ten company-paid holidays annually for eligible full-time employees, 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.