APD Claim Representative I - Meemic

acg; Auburn Hills (MI); À distance; USD 25 000 - 39 000; Plein temps

Résumé du poste

ACG is seeking an Auto Claim Representative I to investigate and resolve low complexity automobile physical damage claims. You will review claims, assess damages, determine coverage, and coordinate repairs or settlements.

The role requires strong communication skills, basic claim handling knowledge, and the ability to work remotely with schedule Monday-Friday 9am-6pm ET. Prior training or a license eligibility is required in this field.

Qualifications

• Minimum education and licensing requirements as stated; must be eligible for Adjuster license within 90 days.
• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.
• In some states, ability to obtain State Adjuster's license within 90 days of hire.

Responsabilités

• Review assigned claims and contact insured/affected parties.
• Set expectations for the remainder of the claim process.
• Initiate documentation in the claims system and perform basic investigations.
• Conduct coverage analysis and determine applicable limits or exclusions.
• Identify all possible policyholder benefits and potential subrogation opportunities.
• Approve payments and refer complex cases to specialized units as needed.

Connaissances

Negotiation

Evidence evaluation

Damage assessment

Communication

Subrogation knowledge

Formation

High school diploma or equivalent

ACG Claim Representative Training Program

State Adjuster's license eligibility (within 90 days)

Valid driver's license

Description du poste

Job Type:

Full time

Exempt/Non Exempt:

Hourly

Job Description:

Location Details:

Remote

Position Schedule / Shift:

Monday-Friday 9am-6pm ET

Position Summary:

As an Auto Claim Representative I , you will be responsible for investigating, evaluating, and resolving low complexity automobile physical damage claims in accordance with company policies and applicable regulations. Reviews claim information, assesses vehicle damage, determines coverage, and coordinates repairs or settlements.

Key Responsibilities:

• Reviewing assigned claims
• Contacting the insured and other affected parties
• Setting expectations for the remainder of the claim process
• Initiating 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.
• Employees assigned to Auto Physical Damage ("APD") claim unit will handle moderately complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage.
• If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program.
• Additional responsibilities may include the following: determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense.
• May handle simple APD Litigation cases.

Qualifications:

Required

Education (including minimum education and any licensing/certifications):

• High school diploma 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 state
• 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

Experience:

• Six months of experience or equivalent training in the following:
• negotiation of claim settlements
• securing and evaluating evidence
• preparing manual and electronic estimates
• subrogation claims-identifying recovery opportunities

Knowledge of:

• Advanced knowledge of:
• Essential Insurance Act (Michigan)
• Fair Trade Practices Act as it relates to claims
• subrogation procedures and processes
• intercompany arbitration

Ability to:

• 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

Preferred

Education:

• 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
• I-Car ProLevel training
• CCC training
• XACT ware Training

Work Environment:

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.

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (inclu