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Claims Adjuster II

Employer
AAA Michigan
Location
Southfield, Michigan (US)
Salary
Competitive Compensation and Benefits Package
Closing date
Aug 3, 2019

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Category
Claims
Job Type
Full Time
Career Level
Experienced (Non-Manager)

Job Details

Overview

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.

Work Environment:

Works in a temperature-controlled residence-based office environment with 50% local travel to loss locations, repair facilities in order to conduct inspections/re-inspections, with exposure to road hazards and temperature extremes. For Homeowners, may require deployment to territories impacted by storms.


Compensation
The Auto Club Group offers a competitive compensation and benefits packages including a base salary with performance-based incentives; medical/dental/vision insurance, pension, 401(k), generous time off, a complimentary AAA Membership and much more!

Responsibilities

Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field units. Resolve coverage questions, take statements and establish clear evaluation and resolution plans for 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, and initiating documentation in the claim handling system. Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss. Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler. 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 and organizational skills.

Employees assigned to Homeowner Field claim units will handle claims generally valued up to $50,000 and investigate claims requiring coverage analysis. When handling claims in the field, must prepare damage estimates using electronic claims estimating software. Reviews estimates for accuracy. May monitor contractor repair status and updates.

Requirements

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.
  • Xactimate training.

Experience:

Minimum one year of experience with:

  • Xactimate estimating.
  • Investigating, evaluating and settling homeowners’ claims including accurately preparing construction damage estimates.
  • Inspecting and evaluating construction repairs for quality and compliance with repair estimates.

Knowledge and Skills:

Knowledge of:

  • Basic PC software skills (Word, Excel, Outlook, etc.).

Ability to:

  • Lift up to 25 pounds.
  • Climb ladders.
  • Walk on roofs.

Qualifications

Required Qualifications (these are the minimum requirements to qualify):

Education (include minimum education and any licensing/certifications):

  • 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:

Minimum one year of experience with:

  • Negotiating 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:

Knowledge of:

  • Essential Insurance Act (Michigan).
  • Fair Trade Practices Act as it relates to claims.
  • Subrogation procedures and processes.
  • Building construction and 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 strong 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.
  • Demonstrate strong time management and organizational skills.
  • Demonstrate strong negotiating skills.
  • Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), etc.
  • Travel outside of assigned territory which may involve overnight stay.

Company

The Auto Club Group is comprised of 6 AAA clubs in the Midwest region serving more than 4 million members in eight states. ACG is committed to deepening relationships with its members by providing a select array of automobile, travel, insurance, and financial services to individuals and groups. We offer a generous employee benefits package (401(k), medical, dental, vision, life, disability income insurance, and pension plan).

Company info
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