Apd Claim Representative I

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Job Type:
Full time
Exempt/Non Exempt:
Hourly
:
Remote Auto Physical Damage Claim Representative I – The Auto Club Group
What you will do: (Primary Duties & Responsibilities)
The Auto Club Group is seeking prospective Claim Representative I who will handle basic, entry-level claims under close supervision and with a lower level of claim handling authority. The claim handling responsibilities may cover most of the lifecycle of the claim, or focus on an expanded role with specific phases, such as, subrogation.
In this position, you will have the opportunity to:

• Complete a general coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss.
• 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.
• Approve payments for the appropriate parties accordingly.
• Contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system.
• Make referrals to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).
• Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler.
• Evaluate the financial value of the loss.
• Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.
• Review assigned claims.
• Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim.

Employees assigned to the Auto Physical Damage (“APD”) claims unit will handle simple claims that do not involve injuries or third party liability and utilize the company’s Direct Repair Shop (DRS) programs. Utilizing these programs require a basic level of claims handling expertise and authority.
Additional responsibilities may include the following: determining liability issues, injuries or other factors require reassignments of the claim; contacting the insured to verify and gather accident and damage facts to determine the appropriate method of inspecting the vehicle; reviewing vehicle repair estimates to understand the value of damages applicable to the claim; monitoring and approving care rental expenses; obtaining and reviewing police reports and other vehicle or accident related documents as part of the claim investigation; monitoring vehicle repair status and interacting with DRS shops and Claims DRS Examiners when needed to resolve and communicate claims status and issues.
With our powerful brand and the mentoring, we offer, you will find your position as a Claims Representative I can lead to a rewarding career at our growing organization.
How you will benefit:
Claims Representative I will earn a competitive salary of $19.00 to $35.00 per hour with annual bonus potential based on performance.
Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include:

• Dental
• PTO
• Tuition Reimbursement
• Medical
• 401k Match
• Vision
• Paid Holidays

We’re looking for candidates who: (Preferred/Required Qualifications)
Education:

• Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience
• CPCU coursework or designation
• I-Car 2000 training
• Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management or equivalent
• 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.
• CCC training
• Must have a valid State Driver's License

Experience:

• Preparing manual and electronic estimates
• Subrogation claims
• Securing and evaluating evidence
• Negotiation of claim settlements
• Six months of experience with:

Knowledge and Skills:
Basic knowledge of:

• Essential Insurance Act (Michigan)
• Fair Trade Practices Act as it relates to claims.
• Intercompany arbitration
• Subrogation procedures and processes

Basic knowledge of:

• No-Fault Law
• Negligence Law
• Collision repair techniques

Ability to:

• Process time sensitive data and information from multiple sources
• Work evenings or weekends
• Follow and apply ACG Claim policies, procedures and guidelines.
• Demonstrate effective communication skills (verbal and written)
• Perform basic claim file review and investigations.
• Analyze and solve problems while demonstrating sound decision making skills.
• Research analyze and interpret subrogation laws in various states.
• Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns.
• Manage time, organize and plan workload and responsibilities.
• Prioritize claim related functions.
• Work within assigned ACG Claim systems including basic PC software.

Work Environment
This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come in to an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or teambuilding events.
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) 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 belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.
Regular and reliable attendance is essential for the function of this job.