Job Description:

• Investigate, evaluate, negotiate, and resolve automobile liability claims
• Ensure compliance with insurance laws, company guidelines, and regulatory requirements
• Review assigned claims and contact insured and affected parties
• Set expectations for the remainder of the claim process
• Initiate documentation in the claim handling system
• Complete complex coverage analysis and identify all possible policyholder benefits
• Create additional sub-claims when needed
• Investigate claim facts to determine payment, applicable limits or exclusions, and recovery potential
• Review damages and determine applicability of state law and other claim factors
• Evaluate the financial value of losses
• Approve payments for appropriate parties
• Refer claims to Underwriting, Recovery Units, or the Claims Special Investigation Unit when necessary
• Document and code claim files and complete claim closure activities in the claims management system
• Negotiate claim settlements
• For APD assignments, settle total losses, inspect vehicles, and prepare damage estimates
• For DRS Examiner assignments, manage Direct Repair Shops for program compliance
• Determine cause of damage, establish liability, identify subrogation potential, monitor repairs, and approve car rental expenses
• Handle simple APD litigation cases when applicable
• Work remotely from a home office for day-to-day operations, with occasional travel for meetings, collaboration, or team-building activities as specified by leadership

Requirements:

• High school diploma or equivalent
• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• Eligible to acquire a State Adjuster’s license within 90 days of hire where required and maintain it as specified
• Valid driver's license required if primary responsibilities involve in-person inspections or frequent in-person meetings
• Two years of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, identifying subrogation recovery opportunities, resolving coverage questions, taking statements, and establishing claim evaluation and resolution plans
• Advanced knowledge of Essential Insurance Act (Michigan)
• Knowledge of Fair Trade Practices Act as it relates to claims
• Knowledge of subrogation procedures and processes
• Knowledge of intercompany arbitration
• Knowledge of handling simple litigation
• Knowledge of Negligence Law and No-Fault Law
• Knowledge of collision repair techniques
• Ability to handle claims according to Claim Handling Standards
• Ability to follow and apply ACG Claim policies, procedures, and guidelines
• Ability to work within assigned ACG Claim systems, including basic PC software
• Basic claim file review and investigation skills
• Effective verbal and written communication skills
• Customer service and relationship-building skills
• Problem-solving and 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 safely operate a motor vehicle for visits to repair facilities, homes, patients, and other locations
• Ability to research, analyze, and interpret subrogation laws in various states
• Ability to travel outside assigned territory, potentially including overnight stays
• Ability to relocate and work evenings or weekends
• Preferred: Associate degree in Business Administration, Insurance, or related field, or equivalent related work experience
• Preferred: Completion of Insurance Institute of America programs, Associate in Claims, associate in management, or equivalent
• Preferred: CPCU coursework or designation
• Preferred: I-Car ProLevel training
• Preferred: CCC training
• Preferred: XACTware training

Benefits:

• Annual company bonus incentive opportunity
• Medical plans with multiple coverage options, including HSA eligibility
• Prescription drug coverage
• Dental and vision benefits
• Employee Assistance Program
• Company-paid basic life insurance
• Optional supplemental life insurance and dependent coverage
• Short-term and long-term disability coverage
• Critical illness, accident, and pet insurance options
• 401(k) plan
• 50% company match on employee contributions up to 6% of pay
• Additional company contribution of 4% of pay each pay day; 100% vested after three years of service
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options
• Paid Time Off (PTO), increasing with tenure and eligible at 90 days
• Up to 12 PTO days annually for full-time new employees
• 10 company-paid holidays annually for full-time employees
• 1 mental health day, 2 floating holidays, and 1 volunteer day for full-time employees
• Paid leave programs, including parental, bereavement, jury duty, and military leave
• Tuition assistance up to $5,250 annually; 80% covered by ACG
• Professional certification support with 100% reimbursement for eligible programs
• Career development and advancement opportunities
• Complimentary AAA membership with roadside assistance and travel discounts
• Adoption assistance program
• Remote work from a home office for day-to-day operations, subject to policy and occasional travel requirements