Claim Specialist (Flushing)

aaa-auto-clubs-outh in Flushing, MI

  • Industry: Financial Services - Insurance - Claim Adjuster
  • Type: Full Time
  • $65,800.00 - 93,730.00
position filled
Job Description

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.

Primary Duties and Responsibilities:

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.


Claim Specialist assigned to the Liability, Bodily Injury, Med Pay, MRTS and Non-MI PIP claim units will handle highly complex claims involving liability disputes, bodily injuries etc. Answer coverage and policy questions. Apply the correct liability determination, evaluate the damages and arrive at a fair settlement. May assist Claim Manager with file reviews and training.

Preferred Qualifications: Education:
  • Bachelor or 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
  • Work Environment:

    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.

    Remote, To Be Determined; remote or office setting; primary work location Michigan .

    Qualifications

    Required Qualifications:

    Education:

  • Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
  • In states where an Adjusters license is required, the candidate must be eligible to acquire a State Adjusters 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:

  • Essential Insurance Act (Michigan)
  • 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
  • Medical terminology and human anatomy
  • 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

  • Associated topics: adjuster, auto, casualty, claim adjuster, claim examiner, claimant, fraud, insurance, insurance examiner, insurance investigator

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