Job Description:
• Investigate and manage low-complexity salvage claims
• Identify recovery opportunities and ensure accurate claim resolution
• Review assigned claims and contact insureds and affected parties
• Set expectations and initiate documentation in the claim handling system
• Analyze policy coverage, provisions, benefits, exclusions, and applicability to reported losses
• Create sub-claims or refer complex claims to management or appropriate claim handlers
• Investigate claim facts and determine payment limits, exclusions, and recovery potential
• Review damages and apply state law and other claim-related factors
• Evaluate loss value and approve payments to appropriate parties
• Refer files to Underwriting, Recovery Units, or Claims Special Investigation Unit as needed
• Document and code claim files and complete claim closure activities
• Identify liable parties and determine insurance status
• Refer files to collection agencies and prepare proofs
• Answer inquiry calls, gather additional proofs, and complete investigations
• Obtain information from claim-related systems
• Work with collection vendors to approve requests to file suit
• Complete receipt and file closure processes, ensuring funds are returned and accounted for
• Reimburse deductibles and prepare mini tort proofs when applicable
• Perform simple recovery tasks involving auto collision, home, or PIP/medical-pay assignments
• Work remotely from a home office for day-to-day operations, with occasional travel for meetings, collaboration, or team-building activities
Requirements:
• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• Must attain all required State Adjuster licenses for applicable states within 60 days after completing licensing coursework
• Valid driver's license required if primary responsibilities involve in-person inspections or frequent in-person meetings
• Experience negotiating claim settlements
• Experience securing and evaluating evidence
• Experience preparing manual and electronic estimates
• Experience with subrogation claims
• Basic knowledge of the Essential Insurance Act (Michigan)
• Basic knowledge of the Fair Trade Practices Act as it relates to claims
• Knowledge of subrogation procedures and processes
• Knowledge of intercompany arbitration
• Ability to follow and apply ACG Claim policies, procedures, and guidelines
• Ability to work within assigned ACG Claim systems and basic PC software
• Ability to perform basic claim file reviews and investigations
• Effective verbal and written communication skills
• Customer service skills and ability to maintain relationships with insureds/claimants
• Problem-solving and sound decision-making skills
• Ability to prioritize claim-related functions
• Ability to process time-sensitive data from multiple sources
• Ability to manage time, organize, and plan workload
• Ability to research, analyze, and interpret subrogation laws in various states
• Ability to travel outside assigned territory, potentially overnight
• 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's General Insurance Program, Associate in Claims, Associate in Management, or equivalent
• Preferred: CPCU coursework or designation
• Preferred: CCC training
• Preferred: six months of experience with claim settlements, evidence evaluation, estimates, communication, or call center/queue calling
Benefits:
• Annual company bonus incentive
• 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 with company match and additional company contribution
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
• Paid Time Off (PTO)
• 10 company-paid holidays annually for full-time employees
• 1 mental health day, 2 floating holidays, and 1 volunteer day
• Paid parental, bereavement, jury duty, and military leave
• Tuition assistance up to $5,250 annually
• 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