Liability Claim Specialist

AAA-The Auto Club Group•Fremont, MI

2d•$67,371 - $80,000•Hybrid

About The Position

Join AAA – The Auto Club Group as a Michigan Liability Claim Specialist Fremont, where you'll play a critical role in helping members navigate some of life's most challenging events. In this highly autonomous position, you'll leverage your investigative expertise, analytical thinking, and negotiation skills to manage complex Michigan Liability claims from inception through resolution.

Requirements

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 states.
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 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
Advance knowledge of Essential Insurance Act (Michigan)
Advance knowledge of Fair Trade Practices Act as it relates to claims
Advance knowledge of Subrogation procedures and processes
Advance knowledge of Intercompany arbitration
Advance knowledge of Handling simple litigation
Advance knowledge of Negligence Law
Advance knowledge of No-Fault Law
Advance knowledge of No-Fault Reform
Advance knowledge of medical terminology and human anatomy
Advance knowledge of MCCA and attorney represented claims
Handle claims to the line Claim Handling Standards
Follow and apply ACG Claim policies, procedures and guidelines
Work within assigned ACG Claim systems including basic PC software
Perform basic claim file review and investigations
Demonstrate effective communication skills (verbal and written)
Demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns
Analyze and solve problems while demonstrating sound decision-making skills
Prioritize claim related functions
Process time sensitive data and information from multiple sources
Manage time, organize and plan workload and responsibilities
Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.
Research analyze and interpret subrogation laws in various states
Travel outside of assigned territory which may involve overnight stay
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

Responsibilities

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 involving the MCCA or quadriplegic, traumatic brain, amputations and other catastrophic injuries.
Work with insureds, guardians, conservators, attorneys, treatment teams and case managers to obtain necessary information to complete the claims review process and make the appropriate determinations.

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
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.
Paid Time Off (PTO)
Paid holidays
1 mental health day
2 floating holidays
1 volunteer day
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.