Claim Specialist

Auto Club Services; Michigan; Hybrid; USD 60,000 - 80,000; Full time

Job summary

Auto Club Services is seeking a Claim Specialist to evaluate coverage and resolve Michigan No-Fault claims with minimal supervision. You will negotiate settlements, review medical and policy details, and collaborate with members, providers, attorneys, and internal teams.

Remote role; requires knowledge of Michigan No-Fault reform and experience handling PIP claims, including fractures and attendant care, with strong problem solving and communication skills.

Qualifications

• Completion of ACG Claim Representative Training or equivalent knowledge/experience.
• Eligible to obtain State Adjuster's license within 90 days of hire.
• Bachelor's degree in Business Administration preferred.

Responsibilities

• Review assigned claims and initiate claim handling activities.
• Contact insureds and other parties to gather information and set expectations.
• Document claim activity and maintain records in the claims system.
• Analyze coverage, policy limits, exclusions, and recovery opportunities.
• Establish and manage sub-claims as needed.
• Investigate to determine coverage applicability and claim validity.

Skills

Negotiation

Documentation

Communication

Customer service

Time management

Decision making

Analytical thinking

Research

Education

ACG Claim Representative Training

Bachelor's degree in Business Administration

State Adjuster's license eligibility within 90 days

Tools

ACG Claims System

MS Office

Job description

Job Type:

Full time

Job Description:

Location Details: Remote

Position Schedule / Shift: Monday-Friday 8:30am-5:30pm ET

Position Summary:

As a Claim Specialist, you will evaluate coverage, assess claim exposures, and make informed decisions that drive fair and timely resolutions. Working closely with members, medical providers, attorneys, and internal partners under minimal supervision, you’ll manage challenging and complex claim scenarios while ensuring compliance with applicable regulations and company standards. The ideal candidate will have experience interpreting and applying Michigan No-Fault reform regulations to support accurate claim handling and benefit determinations. This role is ideal for a detail-oriented professional who thrives on problem-solving, sound judgment, and delivering positive outcomes for members.

Key Responsibilities:

• Review assigned claims and initiate claim handling activities.
• Contact insureds and other affected parties to gather information and set expectations for the claims process.
• Document claim activity and maintain accurate records within the claims management system.
• Perform complex coverage analysis and identify all applicable policyholder benefits.
• Establish and manage sub-claims as needed.
• Conduct thorough investigations to determine coverage applicability, claim validity, policy limits, exclusions, and recovery opportunities.
• Analyze claim facts, damages, state laws, and other relevant factors impacting claim decisions.
• Evaluate the financial value of losses and authorize appropriate claim payments.
• Negotiate settlements and claim resolutions using strong negotiation skills.
• Refer claims to specialized departments when necessary, including Underwriting, Recovery Units, and the Claims Special Investigation Unit (SIU).
• Ensure complete and accurate claim documentation, coding, closure activities, and compliance with company procedures.
• Handle intermediate to complex Michigan Personal Injury Protection (PIP) claims, including:
  • Fractures
  • Mild closed head injuries
  • Surgical procedures
  • Attendant care claims
• Manage claims involving the Michigan Catastrophic Claims Association (MCCA).
• Handle attorney-represented claims and effectively navigate legal involvement throughout the claim process.
• Investigate and manage losses that may extend beyond standard PIP claim scenarios.
• Collaborate with insureds, physician offices, medical providers, and insurance carriers to obtain necessary documentation and information.
• Review medical and claim-related information to make accurate coverage and payment determinations.
• Maintain compliance with applicable state regulations, company policies, and claim handling standards.

Qualifications:

Required

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

• 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

Experience:

• Negotiation of claim settlements
• Securing and evaluating evidence
• Preparing manual and electronic estimates
• Subrogation claims
• Resolving coverage questions
• Taking statements

  Knowledge of:

  Advanced knowledge of:

  • Essential Insurance Act (Michigan)
  • Fair Trade Practices Act as it relates to claims
  • Subrogation procedures and processes
  • Intercompany arbitration
  • Handling simple litigation
  • Negligence Law
  • No-Fault Law
  • medical terminology and human anatomy
  • MCCA and attorney represented claims

  Skills:

  • 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 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 work load 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
  • Work evenings or weekends

  Preferred

  Education:

  • Bachelor's degree or equivalent in Business Administration, Hum