Salvage Claim Representative I

AAA-The Auto Club Group•MI-Admin Office Building (AOB), IN

2d•$24 - $28•Remote

About The Position

As a Salvage Claim Representative I, you will investigate and manage low complexity claims while identifying opportunities for recovery and ensuring accurate claim resolution. Working under close supervision, you will analyze coverage, evaluate damages, communicate with policyholders and involved parties, and document claim activity throughout the claim lifecycle. This role is ideal for detail-oriented professionals who enjoy problem-solving, customer interaction, and contributing to positive claim outcomes.

Requirements

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
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.
Must attain all required State Adjuster licenses for applicable states within 60 days after completing licensing coursework
Negotiating claim settlements
Securing and evaluating evidence
Preparing manual and electronic estimates
Subrogation claims
Basic knowledge of: Essential Insurance Act (Michigan)
Basic knowledge of: Fair Trade Practices Act as it relates to claims
Basic knowledge of: Subrogation procedures and processes
Basic knowledge of: Intercompany arbitration
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
Demonstrate effective communication skills (verbal and written)
Demonstrate customer service skills by building and maintaining relationships with insureds/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
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
CCC training
Six months of experience with: Negotiating claim settlements
Six months of experience with: Securing and evaluating evidence
Six months of experience with: Preparing manual and electronic estimates
Six months of experience with: Effective communication skills both oral and written
Six months of experience with: Call center or queue calling experience

Responsibilities

Reviewing assigned claims
Contact the insured and other affected parties
Setting expectations for the remainder of the claim and initiating documentation in the claim handling system
Complete a general coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss
Ensure all possible policyholder benefits are identified
Create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler
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
Make referrals 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
Identify liable parties and determine insurance status
Refer files to collection agencies including preparing associated proofs
Answering inquiry calls and gathering additional proofs or completing investigations when necessary
Obtain information from claim-related systems
Working with collection vendors to approve requests to file suit
Complete the receipt and file closure process ensuring that funds are returned and accounted for appropriately
Reimburse deductibles and prepare mini tort proofs when applicable
Employees assigned to the Recovery unit will complete simple recovery tasks on claims, such as auto collision, home or PIP/med pay assignments associated with the collection process. The tasks may not cover the entire lifecycle of a claim but will be an expansion of those aspects related to the financial recovery of funds previously paid on a claim from liable parties or other insurance carriers.

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.