AAA-The Auto Club Group · 1 day ago
Fremont Property Desk Claims Specialist
Fremont, MI
Full-time
Hybrid
Mid Level
$75K/yr - $90K/yr
3+ years expAAA The Auto Club Group is a major provider of membership, travel, insurance, and financial services. The Fremont Property Desk Claims Specialist will manage complex claims, conduct investigations, and ensure compliance with policies while providing excellent customer service.
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 Specialists assigned to Homeowner/CAT claim unit handle claims valued over $25,000 (for the inside desk role) and over $100,000 (for field role)
Investigate claims requiring in-depth coverage analysis
When handling claims in the field, must prepare damage estimates using claims software
Review estimates for accuracy
May monitor contractor repair status
May assist Claim Manager with file reviews and training
Qualification
Required
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
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
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 building construction and repair techniques
Ability to handle claims to the line 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
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 work load and responsibilities
Ability to safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc
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
Preferred
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
Xactware Training
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
AAA-The Auto Club Group
AAA - The Auto Club Group (ACG) is the second largest AAA club in North America, serving more than 13+ million members across 14 U.S.
5001-10000 employees
Funding
Current Stage
Late StageLeadership Team
Joseph Richardson Jr
President and CEO
Peggy Gartin, CFA
SVP | Chief Investment Officer
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