Claim Specialist – Material Damage – The Auto Club Group

What you will do:

Work under minimal supervision with a high-level approval authority to handle complex technical issues and complex claims.

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 process, and initiating documentation in the claim handling system. Complete complex coverage analysis. Ensure all possible policyholder benefits are identified. Create additional sub-claims if needed. 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. Refer claims 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. Utilize strong negotiating skills.

Employees assigned to Auto Physical Damage (“APD”) claim unit will handle complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage. If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program. Additional responsibilities may include the following: determining cause of damage, establishing liability, and identifying subrogation potential. Monitor repairs and approve car rental expense. Oversee APD Litigation cases. May assist Claim Manager with file reviews and training.

Work Environment

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

How you will benefit:

Claim Specialists will earn a competitive salary of $67,500 to $85,000 annually with annual bonus potential based on performance.

Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include:
401k Match
Medical
Dental
Vision
PTO
Paid Holidays

Tuition Reimbursement

We’re looking for candidates who:

Preferred Qualifications

Education:

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

Required Qualifications

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.

Must have a valid State Driver's License

Experience:

Three years of experience or equivalent training in the following:

negotiation of claim settlements

securing and evaluating evidence

preparing manual and electronic estimates

subrogation claims

resolving coverage questions

taking statements

establishing clear evaluation and resolution plans for claims

Knowledge and Skills:

Advanced knowledge of:

Fair Trade Practices Act as it relates to claims

subrogation procedures and processes

intercompany arbitration

handling simple litigation

Advanced knowledge of:

Negligence Law

No-Fault Law

collision repair techniques

Ability to:

handle claims to the line Claim Handling Standards

follow and apply ACG Claim policies, procedures and guidelines

work within assigned ACG Claim systems including basic PC software

perform basic claim file review and investigations

demonstrate effective communication skills (verbal and written)

demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns

analyze and solve problems while demonstrating sound decision making skills

prioritize claim related functions

process time sensitive data and information from multiple sources

manage time, organize and plan work load and responsibilities

safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.

research analyze and interpret subrogation laws in various states

travel outside of assigned territory which may involve overnight stay

relocate, work evenings or weekends

What it’s like to work for us:

We serve our members by making their satisfaction our highest priority. We do what’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.

All in all, we create an inclusive and welcoming environment of diverse backgrounds, experiences and viewpoints, realizing our differences make us stronger.

Who we are:

The Auto Club Group helps AAA Members enjoy life’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 14 states in the upper Midwest and the Southeast.

The Auto Club Group has established four long-term enterprise goals:

Long-term, sustainable, profitable growth
AAA Membership growth and renewal
Operational excellence

Become the “flagship club” of the AAA Federation

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.

The above statements describe the principle and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfil these requirements.

The Auto Club Group, and all of its affiliated companies, is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

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