Claim Specialist - CAT

<p>A career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals &mdash; and make a difference. Get started by choosing the career that&rsquo;s right for you.</p>

Michigan, Illinois, Minnesota, Wisconsin

The Auto Club Group

AAA was founded over 100 years ago for the purpose of lobbying for driver and passenger rights, fair laws and safer vehicles — all to better promote the love of the open road and the adventure of driving. Since then, AAA has grown to over 50 million members strong, while providing valuable membership services such as roadside assistance. Additionally, AAA has broadened its horizons to include all types of travel-related services, as well as offer a variety of insurance and financial products and services. Today’s AAA is a national federation comprised of more than 50 individual clubs throughout the United States and Canada. Whether you’re traveling around the world or to the corner grocery store, planning a honeymoon or weekend road trip, learning to drive or in need of a battery boost, the best way to begin your journey is with AAA.

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Competitive Compensation and Benefits Package

Overview: <p>The Auto Club Group (ACG) provides membership, travel, insurance and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.</p> <p>Claim Specialists assigned to Homeowner/CAT claim unit handle claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role). Investigate claims requiring in-depth coverage analysis.&nbsp; When handling claims in the field, must prepare damage estimates using claims software. Review estimates for accuracy. May monitor contractor repair status. May assist Claim Manager with file reviews and training.</p> <p><u>Work Environment</u>: Works in a temperature controlled office environment.&nbsp; Depending on line travel may be required to various repair facilities in order to conduct inspections/re-inspections, visit patients, hospitals, attorneys, rehabilitation centers, repair facilities, etc. per with exposure to road hazards and temperature extremes. For Homeowners and CAT may require deployment to territories impacted by storms.</p> <p>&nbsp;</p>
Responsibilities: <p><u>Primary Duties and Responsibilities (details of the basic job functions):</u></p> <ul> <li>Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.</li> <li><u>Claim handling responsibilities will include the following</u>: reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim process, and initiating documentation in the claim handling system.&nbsp;&nbsp;</li> <li>Complete complex coverage analysis. Ensure all possible policyholder benefits are identified.&nbsp; Create additional sub-claims if needed.&nbsp;</li> <li>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.&nbsp;</li> <li>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.&nbsp;</li> <li>Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).&nbsp;</li> <li>Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.&nbsp;&nbsp;</li> <li>Utilize strong negotiating skills.</li> </ul>
Requirements: <p><u>Preferred Qualifications</u>:</p> <p><u>Education</u>:</p> <ul> <li>Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience</li> <li>Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management or equivalent.</li> <li>CPCU coursework or designation.</li> <li>I-Car 2000 training.</li> <li>CCC training.</li> <li>Xactware Training.</li> </ul> <p><u>Required Qualifications (these are the minimum requirements to qualify)</u></p> <p><u>Education (include minimum education and any licensing/certifications):</u></p> <ul> <li>Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience</li> <li>In states where an Adjuster&rsquo;s license is required, the candidate must be eligible to acquire a State Adjuster&rsquo;s license within 90 days of hire and maintain as specified for appropriate states.</li> <li>Must have a valid State Driver's License</li> </ul> <p><u>Experience</u></p> <p><u>Three years of experience or equivalent training in the following</u>:</p> <ul> <li>Negotiation of claim settlements.</li> <li>Securing and evaluating evidence.</li> <li>Preparing manual and electronic estimates.</li> <li>Subrogation claims.</li> <li>Resolving coverage questions.</li> <li>Taking statements.</li> <li>Establishing clear evaluation and resolution plans for claims.</li> </ul> <p><u>Knowledge and Skills<br /><br /></u><u>Advanced knowledge of:</u></p> <ul> <li>Essential Insurance Act (Michigan)</li> <li>Fair Trade Practices Act as it relates to claims.</li> <li>Subrogation procedures and processes.</li> <li>Intercompany arbitration.</li> <li>Handling simple litigation.</li> <li>Advanced knowledge of building construction and repair techniques.</li> </ul> <p><u>Ability to</u>:</p> <ul> <li>Handle claims to the line Claim Handling Standards.</li> <li>Follow and apply ACG Claim policies, procedures and guidelines.</li> <li>Work within assigned ACG Claim systems including basic PC software.</li> <li>Perform basic claim file review and investigations.</li> <li>Demonstrate effective communication skills (verbal and written)</li> <li>Demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns.</li> <li>Analyze and solve problems while demonstrating sound decision making skills.</li> <li>Prioritize claim related functions.</li> <li>Process time sensitive data and information from multiple sources.</li> <li>Manage time, organize and plan work load and responsibilities.</li> <li>Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.</li> <li>Research analyze and interpret subrogation laws in various states.</li> <li>Travel outside of assigned territory which may involve overnight stay.</li> <li>Relocate, work evenings or weekends.</li> <li>Lift up to 25 pounds.</li> <li>Climb ladders.</li> <li>Walk on roofs.</li> </ul>