APD Claim Representative I - Meemic
AAA-The Auto Club Group
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Benefits offered by this job
Job summary
AAA-The Auto Club Group is seeking an Auto Claim Representative I to investigate and resolve low complexity automobile damage claims. You will review information, assess damage, determine coverage, and coordinate repairs while maintaining clear communication with insured parties.
The role emphasizes negotiation, documentation, and adherence to company policies and state regulations. Remote work is available with a standard Monday–Friday schedule and local travel as needed.
Qualifications
- High school diploma or equivalent required; training program or relevant experience.
- Eligible to acquire State Adjuster’s license within 90 days of hire.
- Valid driver’s license if inspections occur in person.
- Six months of claim negotiation, evidence evaluation, and estimating experience.
Responsibilities
- Investigate, evaluate, and resolve low complexity auto damage claims.
- Review claim information, assess damage, determine coverage, coordinate repairs.
- Communicate with insured and others, set expectations for claims timeline.
- Document claim files thoroughly in the system; handle subrogation opportunities.
Skills
Education
Tools
Job description
- Essential Insurance Act (Michigan)
- Prescription drug coverage.
- 401(k) plan to support long-term financial goals.
- 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax.
- Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting.
- Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.
- Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.
Full time
Hourly
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.
Claim handling responsibilities will include the following
- 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.
- 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
- 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
- Essential Insurance Act (Michigan)
- Fair Trade Practices Act as it relates to claims
- subrogation procedures and processes
- intercompany arbitration
- 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
- 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
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.
Remote
Monday-Friday 9am-6pm ET
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
A APD Claim Representative I earns a competitive hourly salary of $25.00-$30.00 along with the opportunity for an annual company bonus incentive.
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
- 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 to support long-term
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