Salvage Claim Representative I

AAA The Auto Club Group is a leading provider of membership, travel, insurance, and financial services. They are seeking a Salvage Claim Representative I to handle low complexity claims under supervision, manage the lifecycle of claims, and ensure policyholder benefits are identified and processed appropriately.

Responsibilities

• Handle low complexity claims under close supervision and with a lower-level of claim-handling authority
• Claim handling responsibilities may cover most of the lifecycle of the claim or focus on an expanded role with specific phases such as subrogation
• Claim handling responsibilities will include the following: reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim, and initiating documentation in the claim handling system
• Complete a general coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss
• 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 to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential
• 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
• Make referrals to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit)
• Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system
• Employees assigned to the Recovery unit will complete simple recovery tasks on claims, such as auto collision, home or PIP/med pay assignments associated with the collection process
• The tasks may not cover the entire lifecycle of a claim but will be an expansion of those aspects related to the financial recovery of funds previously paid on a claim from liable parties or other insurance carriers
• Additional responsibilities may include the following: identifying liable parties and determining insurance status; referring files to collection agencies including preparing associated proofs; answering inquiry calls and gathering additional proofs or completing investigations when necessary; obtaining information from claim-related systems; working with collection vendors to approve requests to file suit; completing the receipt and file closure process ensuring that funds are returned and accounted for appropriately; reimbursing deductibles and preparing mini tort proofs when applicable

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
• Negotiating claim settlements
• Securing and evaluating evidence
• Preparing manual and electronic estimates
• Subrogation claims
• Basic knowledge of Essential Insurance Act (Michigan)
• Basic knowledge of Fair Trade Practices Act as it relates to claims
• Basic knowledge of subrogation procedures and processes
• Basic knowledge of intercompany arbitration
• 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 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
• 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
• CCC training
• Six months of experience with negotiating claim settlements
• Six months of experience with securing and evaluating evidence
• Six months of experience with preparing manual and electronic estimates
• Six months of experience with effective communication skills both oral and written
• Call center or queue calling experience

Benefits

• Medical, dental and vision benefits
• 401k Match
• Paid parental leave and adoption assistance
• Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
• Paid volunteer day annually
• Tuition assistance program, professional certification reimbursement program and other professional development opportunities
• AAA Membership
• Discounts, perks, and rewards and much more

Company Overview