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Claims Adjuster II - Field - Auto Physical Damage

Employer
AAA Michigan
Location
Madison, Wisconsin
Salary
Competitive Compensation and Benefits Package
Closing date
Aug 23, 2019

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

Job Details

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 normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside 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 skills.

 

Employees assigned to Auto Physical Damage (“APD”) claim unit will handle moderately complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage. If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program. Additional responsibilities may include the following:  determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense.  May handle simple APD Litigation cases.

 

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
  • I-Car 2000 training
  • CCC training
  • Xactware Training

 

Work Environment

Works in a temperature controlled office environment.  Depending on line frequent 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.

 

Qualifications
 

Required Qualifications:

Education:

  • 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:

  • 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
  • Intercompany arbitration

Knowledge of:

  • Negligence Law
  • No-Fault Law

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
  • Strong negotiating skills

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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