APD Claim Representative II

This is a fully remote position, open to applicants in United States.

📋 Description

• Manage moderately complex Auto Physical Damage claims from the initial assignment to final resolution.

• Engage with insured individuals and affected parties, set expectations, and maintain communication throughout the claim process.

• Evaluate policy coverage, limits, exclusions, and benefits available to policyholders.

• Investigate claim details, ascertain the cause of loss and liability, and identify opportunities for subrogation or recovery.

• Conduct vehicle inspections, assess damages, and prepare damage estimates.

• Assess financial loss values and negotiate settlements for claims.

• Resolve total loss claims and authorize payments.

• Oversee vehicle repairs and approve applicable car rental expenses.

• Create sub-claims and refer claims to Underwriting, Recovery, or Claims Special Investigation as needed.

• Ensure accurate documentation of claims, coding, and closure activities in the claims management system.

• Manage simple APD litigation cases as assigned.

• For DRS Examiner assignments, supervise Direct Repair Shops to ensure program compliance.

⛳️ Requirements

• High School diploma or its equivalent.

• Completion of the ACG Claim Representative Training Program or demonstration of equivalent knowledge or experience.

• In states where an Adjuster’s license is mandatory, ability to obtain a State Adjuster’s license within 90 days of hire and maintain it as required.

• A valid driver's license is necessary if primary duties include in-person inspections or frequent face-to-face meetings.

• One year of experience or equivalent training in negotiating claim settlements, gathering and evaluating evidence, preparing both manual and electronic estimates, handling subrogation claims/recovery opportunities, resolving coverage inquiries, collecting statements, and establishing claim evaluation and resolution strategies.

• Familiarity with the Essential Insurance Act (Michigan), Fair Trade Practices Act concerning claims, subrogation procedures and processes, intercompany arbitration, simple litigation, negligence law, no-fault law, and collision repair techniques.

• Capacity to manage claims according to Claim Handling Standards and adhere to ACG Claim policies, procedures, and guidelines.

• Proficiency in assigned ACG Claim systems, including basic PC software.

• Basic skills in claim file review and investigation.

• Strong verbal and written communication abilities.

• Customer service and relationship-building skills with insured individuals and claimants.

• Problem-solving and effective decision-making skills.

• Ability to prioritize functions related to claims.

• Capability to process time-sensitive data and information from multiple sources.

• Skills in time management, organization, and workload planning.

• Ability to safely operate a motor vehicle for visits to repair facilities and residences.

• Capacity to research, analyze, and interpret subrogation laws across various states.

• Willingness to travel outside the assigned territory, including potential overnight stays.

• Flexibility to relocate and work evenings or weekends.

• Preferred: Associate degree in Business Administration, Insurance, or a related field, or equivalent experience.

• Preferred: Completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent credentials.

• Preferred: CPCU coursework or designation.

• Preferred: I-CAR ProLevel training.

• Preferred: CCC training.

• Preferred: XACTware training.

• Must agree to background and drug screening if offered employment.

• Regular and dependable attendance is crucial.

🏝️ Benefits

• Paid Time Off (PTO).

• Paid sick leave.

• Remote work from a home office for daily operations.

• Occasional travel for meetings, collaborative activities, or team-building events.

• Reasonable accommodations for qualified applicants.

• Commitment to equal opportunity employment.

• Background and drug screening for employment safety standards.