AAA The Auto Club Group is seeking a Total Loss Claim Representative II who will handle moderately complex claims within Claim Handling Standards. The role involves reviewing claims, contacting insured parties, conducting investigations, and ensuring proper documentation and evaluation of claims.
Responsibilities
- Reviewing assigned claims
- Contacting the insured and other affected parties
- Setting expectations for the remainder of the claim
- Initiating documentation in the claim handling system
- Complete coverage analysis including a review of policy coverages and provisions
- 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
- 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
- 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
- Handle moderately complex claims involving settling Total Losses
- Inspecting vehicles and preparing estimates of damage
- Manage Direct Repair Shops for compliance with our program
- Determine cause of damage
- Establishing liability
- Identifying subrogation potential
- Monitoring repairs and approving car rental expense
- Handle simple APD Litigation cases
Skills
- 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
- One year of experience with securing and evaluating evidence
- One year of experience with preparing manual and electronic estimates
- One year of experience with subrogation claims, including identifying recovery opportunities
- One year of experience with resolving coverage questions
- One year of experience with taking statements
- One year of experience with establishing clear evaluation and resolution plans for claims
- Knowledge of Essential Insurance Act (Michigan)
- Knowledge of Fair Trade Practices Act as it relates to claims
- Knowledge of subrogation procedures and processes
- Knowledge of intercompany arbitration/dispute resolution
- Knowledge of Negligence Laws and Statutes
- Knowledge of No-Fault Law and No-Fault Reform
- Knowledge of Collision repair techniques
- 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
- 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 2000 training
- CCC training
- Xactware Training
Benefits
- 401k Match
- Medical
- Dental
- Vision
- PTO
- Paid Holidays
- Tuition Reimbursement
Company Overview
AAA - The Auto Club Group (ACG) is the second largest AAA club in North America, serving more than 13+ million members across 14 U.S. It was founded in 1901, and is headquartered in Dearborn, MI, US, with a workforce of 5001-10000 employees. Its website is http://aaa.com.
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