Claim Representative II

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 — and make a difference. Get started by choosing the career that’s right for you.

Traverse City, MI

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.

keywords: about acg,work environment,compensation,analysis,claims,investigate,management,quality assurance,document,license,education,experience

Full Time

Overview: <p style="font-weight: 300;"><span style="font-weight: 300;">The Auto Club Group helps AAA Members enjoy life&rsquo;s journey with peace of mind by providing innovative solutions, advocacy and membership benefits wherever and whenever they need them. We currently conduct business in 13 states in the upper Midwest and the Southeast.</span></p> <p style="font-weight: 300;"><span style="font-weight: 300;">The Auto Club Group has established four long-term enterprise goals:&nbsp;</span></p> <ul style="font-weight: 300;"> <li style="font-weight: 300;"><span style="font-weight: 300;">Long-term, sustainable, profitable growth</span></li> <li style="font-weight: 300;"><span style="font-weight: 300;">AAA Membership growth and renewal</span></li> <li style="font-weight: 300;"><span style="font-weight: 300;">Operational excellence</span></li> <li style="font-weight: 300;"><span style="font-weight: 300;">Become the &ldquo;flagship club&rdquo; of the AAA Federation</span></li> </ul> <p style="font-weight: 300;"><span style="font-weight: 300;">We serve our members by making their satisfaction our highest priority. We do what&rsquo;s right by sustaining an open, honest and ethical work environment. We lead in everything we do by offering best-in-class products, benefits and services. And we value our employees by seeking the best talent, rewarding high performance and holding ourselves accountable. </span></p> <p style="font-weight: 300;"><span style="font-weight: 300;">All in all, we create an inclusive and welcoming environment of diverse backgrounds, experiences and viewpoints, realizing our differences make us stronger.</span></p>
Responsibilities: <p align="left"><span style="font-family: Arial;">The Auto Club Group is seeking prospective <strong>Claim Representative II</strong> who can </span><span style="font-family: Arial;">work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside units, resolve coverage questions, take statements and establish clear evaluation and resolution plans for claims.</span></p> <div align="left"><span style="font-family: Arial;">&nbsp;</span></div> <div align="left"><span style="font-family: Arial;">In this position, you will have the opportunity to:</span></div> <ul> <li> <p align="left"><span style="font-family: Arial;">Review assigned claims, contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system.&nbsp;&nbsp; </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss. </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler.&nbsp; </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">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. </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim. </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Evaluate the financial value of the loss. </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Approve payments for the appropriate parties accordingly.&nbsp; </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).&nbsp; </span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.&nbsp; </span></p> </li> <li> <div align="left"><span style="font-family: Arial;">Utilize strong negotiating skills.</span></div> </li> </ul> <p align="left"><span style="font-family: Arial;"><span style="font-family: arial, sans-serif;">Employees assigned to Homeowner/CAT claim unit will handle claims generally valued between $0 and $50,000 (for the inside desk role) and up to $100,000 (for field role). Investigate claims requiring coverage analysis.&nbsp; When handling claims in the field, must prepare damage estimates using claims software.&nbsp; Review estimates for accuracy.&nbsp; &nbsp;May monitor contractor repair status and updates.&nbsp;&nbsp;</span></span></p>
Requirements: <p align="left"><span style="font-family: Arial;"><u>Education:</u></span></p> <ul type="disc"> <li> <p align="left"><span style="font-family: Arial;">High School Diploma/GED or equivalent</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">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.</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Must have a valid State Driver&rsquo;s License</span></p> </li> </ul> <p><span style="font-family: Arial;">&nbsp;<u>Experience:</u></span></p> <p align="left"><span style="font-family: Arial;">One year of experience with:</span></p> <ul type="disc"> <li><span style="font-family: Arial;">Negotiating claim settlements</span></li> <li><span style="font-family: Arial;">Securing and evaluating evidence</span></li> <li><span style="font-family: Arial;">Preparing manual and electronic estimates</span></li> <li><span style="font-family: Arial;">Subrogation claims</span></li> <li><span style="font-family: Arial;">&nbsp;Resolving coverage questions</span></li> <li><span style="font-family: Arial;">Taking statements</span></li> <li><span style="font-family: Arial;">Establishing clear evaluation and resolution plans for claims</span></li> </ul> <p><span style="font-family: Arial;"><u>Knowledge and Skills:</u></span></p> <p align="left"><span style="font-family: Arial;">Knowledge of:</span></p> <ul> <li> <div><span style="font-family: Arial;">Essential Insurance Act (Michigan)</span></div> </li> <li><span style="font-family: Arial;">Fair Trade Practices Act as it relates to claims</span></li> <li><span style="font-family: Arial;">Subrogation procedures and processes</span></li> <li><span style="font-family: Arial;">Intercompany arbitration </span></li> <li><span style="font-family: Arial;">Xactimate</span></li> </ul> <p><span style="font-family: Arial;"><u>Ability to:</u></span></p> <ul type="disc"> <li><span style="font-family: Arial;">Lift up to 25 pounds</span></li> <li><span style="font-family: Arial;">Climb ladders</span></li> <li><span style="font-family: Arial;">Walk on roofs</span></li> </ul> <p><span style="font-family: Arial;"><strong><u>Preferred Qualifications</u></strong></span></p> <p><span style="font-family: Arial;"><u>Education:</u></span></p> <ul type="disc"> <li><span style="font-family: Arial;">Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience</span></li> <li><span style="font-family: Arial;">Completion of the Insurance Institute of America&rsquo;s: General Insurance Program, Associate in Claims, Associate in Management or equivalent</span></li> <li><span style="font-family: Arial;">CPCU coursework or designation</span></li> <li><span style="font-family: Arial;">Xactware Training</span></li> </ul>