Temporary Subrogation Claim Representative II

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

9d•Remote

About The Position

This is a six-month temporary work assignment. Successful candidates may have conversion opportunities into a full-time position depending on performance and position availability. The Temporary Subrogation Claim Representative II - AAA Auto Club Group reports to the Claim Manager as appropriate. The role involves handling moderately complex claims within Claim Handling Standards, resolving coverage questions, taking statements, and establishing clear evaluation and resolution plans. Claim handling responsibilities include reviewing assigned claims, contacting the insured and other affected parties, setting expectations, and initiating documentation. The position requires completing coverage analysis, identifying policyholder benefits, and initiating sub-claims or referring complex claims. It also involves investigating claim facts to determine payment, applicable limits, exclusions, and recovery potential, as well as reviewing damages and evaluating the financial value of the loss. The role requires approving payments, referring claims to other units when necessary, and thoroughly documenting claim files in the assigned claims management system. Strong negotiating skills are essential.

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.
One year of experience with: negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, establishing clear evaluation and resolution plans for claims.
Knowledge of: Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures and processes, intercompany arbitration, Claim investigation and liability determination across multiple lines of business, including Auto, Property, and Casualty.
Knowledge of State negligence laws and statutes across all states within the current operating footprint.
Knowledge of Subrogation principles and requirements to determine recoverability.
Knowledge of Claims processes, documentation standards, and referral workflows.
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 workload 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.
Strong negotiating skills.
Strong organizational and time‑management skills.
Ability to multitask effectively.
Ability to work efficiently.
Ability to work collaboratively in a team environment.
Ability to prioritize and manage competing demands.
Ability to maintain focus and accuracy.
Ability to adapt to process changes and evolving system requirements.

Nice To Haves

Prior claims experience is preferred.

Responsibilities

Reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim, and initiating documentation in the claim handling system.
Complete 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.
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.
Analyze claim details, including FNOLs, claim notes, and police reports, to determine the liable party.
Research state‑specific negligence laws to assess subrogation viability.
Navigate and work efficiently across multiple claims systems and platforms, including FACTS, CPS, IPM, WINS, and SPI.
Manage high‑volume workloads across multiple companies.
Multitask effectively while maintaining accuracy and consistency in claim triage and referral decisions.
Work efficiently to ensure timely processing and assignment of incoming claims.
Work collaboratively in a team environment, including providing coverage and coordination with peers to ensure uninterrupted claim triage.
Prioritize and manage competing demands to support timely and accurate claim handling.
Maintain focus and accuracy in a fast‑paced, high‑volume environment.
Adapt to process changes and evolving system requirements while maintaining service standards.