Claim Associate

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.

Dearborn, 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.

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Individual Contributor

Competitive Compensation and Benefits Package

Overview: <span class="text" title=""><span class="text" title="">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.&nbsp;<br /><br /></span></span> <div>Work Environment: Works in a temperature controlled office environment.&nbsp; Occasionally (less than 20% of work time), conduct systems training, etc.<br /><br /><span id="requisitionDescriptionInterface.ID1513.row1" class="text" title=""><span id="requisitionDescriptionInterface.ID1571.row1" class="text" title=""><span style="font-size: medium;">The Auto Club Group offers a competitive compensation and benefits packages including a base salary with performance based incentives; medical/dental/vision insurance, pension, 401(k), generous time off, a complimentary AAA Membership and much more!</span></span></span></div>
Responsibilities: <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u>Primary Duties and Responsibilities (details of the basic job functions):</u></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;">Review moderately complex claim files.&nbsp; Timely and accurate evaluation, negotiation, responds to inquiries, claims settlement and report processing within specified limits. &nbsp;Maintains contact with individuals or organizations such as doctors, employers, cost containment vendors, etc. Determines the type and extent of loss and ensures the claim is consistent with all reported facts.&nbsp; Reviews necessary legal and police/fire reports to process claims as necessary.&nbsp; Document claim files.&nbsp; Refers files for investigation as warranted.&nbsp; Regularly makes payments, settles or recommends settlement value of claims according to policy coverage.&nbsp; Review the status of open and closed reserves and makes adjustments consistent with exposures.&nbsp; Review assigned claim files on diary for progress toward completion of settlements. Authorize checks as required.&nbsp; Explain payments to claimants and responds to claimant' inquiries. Reviews files for salvage potential and handles salvage in accordance to company policy.&nbsp; Closes claim files in a timely manner.&nbsp;</p> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <p style="margin-bottom: 0px; margin-top: 0px;">Support professional staff members and management in a variety of activities such as telephone/computer problem resolution, handling subrogation and salvage operations, etc.&nbsp; Complete subrogation forms, collects necessary documentation and forwards files to the Recovery Unit for collection.&nbsp; Assume responsibility for files that were previously assigned to other claim staff members as necessary.&nbsp; Assist claims management in the assignment and distribution of new claims.&nbsp; Coordinates or conducts special claim surveys and projects. Assist in orienting and training employees as assigned. Performs general claims processing functions as necessary.</p>
Requirements: <p style="margin-bottom: 0px; margin-top: 0px;"><strong>Preferred Qualifications</strong></p> <p style="margin-bottom: 0px; margin-top: 0px;">Associate&rsquo;s degree in Business Administration or a related field, or the equivalent in related work experience.</p> <div>&nbsp;</div> <p style="margin-bottom: 0px; margin-top: 0px;">Completion of (IIA) Insurance Institute of America or other insurance coursework.</p> <div>&nbsp;</div> <p style="margin-bottom: 0px; margin-top: 0px;">Experience to include *:</p> <ul> <li>A claim related field such as insurance, automotive, medical or legal services</li> </ul> <ul> <li>Utilizing ACG automated systems</li> </ul> <ul> <li>Developing and delivering oral presentations</li> </ul> <ul> <li>Preparing reports</li> </ul> <div>&nbsp;<span style="font-size: medium;">Knowledge and understanding to include *:</span></div> <ul> <li>Negligence law, Michigan No-Fault Law and the Fair Trade Practice Act as they relate to claims</li> </ul> <ul> <li>Medical terminology and human anatomy</li> </ul> <ul> <li>General claim processing functions</li> </ul> <ul> <li>ACG &nbsp;insurance procedures</li> </ul> <div>&nbsp;</div> <p>*Preference to be indicated at time of posting.</p> <p style="margin-bottom: 0px; margin-top: 0px;"><span class="blockpanel"><span class="">&nbsp;</span></span><br /><strong><u>Required Qualifications (these are the minimum requirements to qualify):</u></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><span style="font-size: medium;">Education (include minimum education and any licensing/certifications):</span><br /><span style="font-size: medium;">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> <ul> <li><span style="font-size: medium;">Successful completion of at least one of the following, or the ability to complete within 9 months of hire:</span></li> <li><span style="font-size: medium;">AAA general claim policy training</span></li> <li><span style="font-size: medium;">Homeowner training</span></li> <li><span style="font-size: medium;">Policy, negligence, and no-fault training</span></li> <li><span style="font-size: medium;">Injury claim training class for technical support staff or equivalent</span></li> </ul> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <div><span style="font-size: medium;">Experience to include*:</span></div> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <ul> <li><span style="font-size: medium;">Investigating, evaluating and settling limited value homeowners/property protection/collision claims</span></li> <li><span style="font-size: medium;">As a general/homeowners/injury member service representative or equivalent.</span></li> <li><span style="font-size: medium;">Processing of subrogation files</span></li> <li><span style="font-size: medium;">Invoicing and collection of claims</span></li> <li><span style="font-size: medium;">Investigating and resolving claims or insurance problems</span></li> <li><span style="font-size: medium;">Utilizing pcs and software packages (i.e. Word, PowerPoint, Visio, ABC Flowcharter)</span></li> </ul> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <div><span style="font-size: medium;">Knowledge and Skills/</span><span style="font-size: medium;">Knowledge of:</span></div> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <ul> <li><span style="font-size: medium;">Claim processing policy and procedures</span></li> <li><span style="font-size: medium;">General claim processing functions</span></li> <li><span style="font-size: medium;">Claim processing system</span></li> </ul> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <div><span style="font-size: medium;">May need knowledge in a specialized area such as *:</span></div> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <ul> <li><span style="font-size: medium;">The Fair Trade Practices Act as it related to claims</span></li> <li><span style="font-size: medium;">Criminal law</span></li> <li><span style="font-size: medium;">Court procedures</span></li> <li><span style="font-size: medium;">Medical billing practices</span></li> <li><span style="font-size: medium;">Processing subrogation and judgment files</span></li> <li><span style="font-size: medium;">Claims quality service standards</span></li> <li><span style="font-size: medium;">State title laws</span></li> <li><span style="font-size: medium;">Automated auto and home estimating systems</span></li> <li><span style="font-size: medium;">Homeowner/auto policy language and provisions</span></li> <li><span style="font-size: medium;">Moderate building and construction repair techniques</span></li> <li><span style="font-size: medium;">Product, labor and unit costs and alternative methods of repair</span></li> <li><span style="font-size: medium;">Moderate knowledge of auto physical damage claim handling procedures, including, but not limited to handling total losses, out-of-state and theft claims</span></li> <li><span style="font-size: medium;">Contents replacement</span></li> <li><span style="font-size: medium;">Car rental coverages</span></li> <li><span style="font-size: medium;">Moderate knowledge of additional living expense adjustment</span></li> <li><span style="font-size: medium;">Moderate knowledge of Michigan no-fault law</span></li> <li><span style="font-size: medium;">Claim processing policies and procedures</span></li> <li><span style="font-size: medium;">Moderate knowledge of medical terminology and human anatomy</span></li> <li><span style="font-size: medium;">Essential insurance act</span></li> <li><span style="font-size: medium;">General injury/liability claims</span></li> <li><span style="font-size: medium;">Catastrophic and complex injury claims</span></li> <li><span style="font-size: medium;">Negligence and no-fault principles and car, homeowners and boat policies</span></li> </ul> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <div><span style="font-size: medium;">Demonstrated skill in: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; <br /></span></div> <ul> <li><span style="font-size: medium;">Organization and planning</span></li> <li><span style="font-size: medium;">Analyzing and problem solving</span></li> <li><span style="font-size: medium;">Decision making</span></li> <li><span style="font-size: medium;">Written communication to include record keeping and report preparation</span></li> </ul> <p style="margin-bottom: 0px; margin-top: 0px;">&nbsp;</p> <div><span style="font-size: medium;">Ability to include*:</span></div> <ul> <li><span style="font-size: medium;">Communicate effectively with others in a work environment and with the public (e.g. Police departments, vendors, contractors, attorneys)</span></li> <li><span style="font-size: medium;">Communicate effectively over the telephone</span></li> <li><span style="font-size: medium;">Analyze and resolve problems</span></li> <li><span style="font-size: medium;">Accurately enter information on a terminal keyboard</span></li> <li><span style="font-size: medium;">Make determinations on extent of loss, exposures, proof necessary to support payment of non-complex injury claims</span></li> <li><span style="font-size: medium;">Access a mainframe computer</span></li> <li><span style="font-size: medium;">Perform cash balancing and auditing functions</span></li> <li><span style="font-size: medium;">Effectively respond to questions and concerns</span></li> <li><span style="font-size: medium;">Communicate effectively with customers and/or medical staff</span></li> <li><span style="font-size: medium;">Prepare and present activity and statistical reports</span></li> <li><span style="font-size: medium;">Work under pressure</span></li> <li><span style="font-size: medium;">Use automated processing and computer systems</span></li> <li><span style="font-size: medium;">Record and maintain data accurately and in a timely fashion</span></li> <li><span style="font-size: medium;">Enter basic format specifications for forms, manuals, procedures, etc. Into the computer system</span></li> <li><span style="font-size: medium;">Summarize/format statistical information, memos, tables, etc.</span></li> <li><span style="font-size: medium;">Investigate, evaluate and settle claims within specified limits</span></li> <li><span style="font-size: medium;">Negotiate recovery potential</span></li> <li><span style="font-size: medium;">Service, investigate, price, evaluate and settle minor injury claims</span></li> <li><span style="font-size: medium;">Work effectively in a team environment</span></li> <li><span style="font-size: medium;">Organize and plan work within established time frames</span></li> <li><span style="font-size: medium;">Excellent verbal communication skills required in understanding members' concerns and to provide high quality customer service.</span></li> <li><span style="font-size: medium;">Willingness to work irregular hours to respond to emergencies and provide service to customers</span></li> <li><span style="font-size: medium;">Willingness to relocate.</span></li> <li><span style="font-size: medium;">Possession of a valid State Driver's License</span></li> </ul> <br /><br /> <p style="margin-bottom: 0px; margin-top: 0px;"><span id="requisitionDescriptionInterface.ID1571.row1" class="text" title=""><span style="font-size: medium;"><strong>Important Note:</strong>&nbsp;The above statements describe the principal and essential functions, but not all functions that may be inherent in the job.&nbsp; This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements.&nbsp; Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.</span></span></p>