Bodily Injury Claim Specialist - MN/WI

AAA-The Auto Club Group

1d • Hybrid

About The Position

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy. The Auto Club Group (ACG) is seeking a prospective Claim Specialist to work under minimal supervision, handling highly complex new and reassigned auto and homeowner bodily injury liability claims. The role involves adhering to ACG claim handling procedures, completing investigations, evaluating settlements, negotiating with parties, and collaborating with legal teams. This position offers a rewarding career path within the growing organization, The Auto Club Group, which provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG is the second largest AAA club in North America and is committed to providing quality service and helping members. The company prides itself on creating an inclusive and welcoming environment.

Requirements

• 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.
• 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 an Adjuster’s license is required).
• 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.
• 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 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 Negligence Law.
• Advanced knowledge of No-Fault Law.
• Advanced knowledge of medical terminology and human anatomy.
• 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.

Responsibilities

• Handle highly complex new and reassigned auto and homeowner bodily injury liability claims.
• Adhere to ACG claim handling procedures, processes and guidelines.
• Complete coverage and liability investigations, including obtaining statements from involved parties.
• Obtain required documents and reports to complete coverage and liability investigations.
• Set expectations, ensuring the claim process is explained and understood.
• Complete complex coverage analysis.
• Identify additional exposures, create appropriate referrals for additional claims and subclaims.
• Conduct thorough reviews of liability, damages, and the applicability of state law.
• Evaluate settlement range value, prepare documents related to reserve, settlement and settlement authority.
• Negotiate settlements with attorney represented and non-represented parties.
• Utilize strong negotiation skills.
• Prepare legal releases.
• Authorize expense and indemnity payments.
• Complete referrals, when required, to underwriting, recovery, SCIU, large loss unit and HRCC.
• Document claim file memos, upload documents to claim file, complete claim coding.
• Present claim matters during meetings.
• Collaborate with legal team.
• Provide peer mentoring.
• Assist Management with special reports, projects, task.

Benefits

• Competitive salary of 75,000 to $85,000 annually with an annual bonus potential based on performance.
• Excellent and comprehensive benefits packages.
• 401k Match
• Medical
• Dental
• Vision
• PTO
• Paid Holidays
• Tuition Reimbursement

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree
• Number of Employees: 1-10 employees