Bloomington Illinois Field Claim Specialist

AAA-The Auto Club Group

1d•Hybrid

About The Position

This full-time, exempt Field Claim Specialist position with AAA The Auto Club Group covers territories in Bloomington, Champaign, and Peoria, Illinois. The role requires the candidate to live within a commutable distance to these locations and possess a valid state driver's license. Working under minimal supervision with high-level approval authority, the specialist will handle complex technical issues and claims. Key responsibilities include reviewing assigned claims, contacting insureds and other affected parties, setting expectations, and documenting processes in the claim handling system. The specialist will conduct complex coverage analysis, identify policyholder benefits, investigate claim facts, review damages, evaluate financial loss, and approve payments. They will also refer claims to other company units when necessary and thoroughly document claim files. For field claims, the specialist must prepare and review damage estimates using claims software, and may monitor contractor repair status or assist the Claim Manager with file reviews and training.

Requirements

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
Eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states (in states where required).
Must have a valid State Driver's License.
Three years of experience or equivalent training in negotiation of claim settlements.
Three years of experience or equivalent training in securing and evaluating evidence.
Three years of experience or equivalent training in preparing manual and electronic estimates.
Three years of experience or equivalent training in subrogation claims.
Three years of experience or equivalent training in resolving coverage questions.
Three years of experience or equivalent training in taking statements.
Three years of experience or equivalent training in establishing clear evaluation and resolution plans for claims.
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.
Advanced knowledge of handling simple litigation.
Advanced knowledge of building construction and repair techniques.
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 insureds/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 work load 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

Strong communication skills both oral and written.
Xactware Training.
1-2 years of full cycle homeowners claims handling experience.
Experience handling personal property and additional living expense claims.
Experience with internal water loss, fire, and smoke claims.
Ability to walk on roofs.
Ability to climb ladders.
Ability to lift up to 25 pounds.

Responsibilities

Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.
Review assigned claims, contact the insured and other affected parties, set expectations for the remainder of the claim process, and initiate 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.
Handle claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role).
Investigate claims requiring in-depth coverage analysis.
Prepare damage estimates using claims software when handling claims in the field.
Review estimates for accuracy.
May monitor contractor repair status.
May assist Claim Manager with file reviews and training.

Benefits

A competitive yearly salary between $68,000 - $80,000.
Medical, dental and vision benefits.
401k Match.
Paid parental leave and adoption assistance.
Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays.
Paid volunteer day annually.
Tuition assistance program, professional certification reimbursement program and other professional development opportunities.
AAA Membership Discounts, perks, and rewards and much more!

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