APD Claim Representative II

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

📋 Description

• Review and oversee moderately complex Auto Physical Damage claims from the initial assignment to resolution.

• Communicate with insured parties and other stakeholders, set expectations, and maintain communication throughout the claims process.

• Analyze 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.

• Inspect vehicles, assess damage, and create damage estimates.

• Determine financial loss values and negotiate settlements for claims.

• Resolve total-loss claims and authorize payments to the appropriate parties.

• Oversee vehicle repairs and approve eligible car rental expenses.

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

• Ensure accurate documentation, coding, and closure activities are maintained within the claims management system.

• Manage simple APD litigation cases as assigned.

• For those in the DRS Examiner role, ensure Direct Repair Shops comply with program requirements.

• Travel as necessary for inspections, meetings, collaborative activities, team-building, or outside the designated territory.

⛳️ Requirements

• High School diploma or equivalent qualification.

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

• In states requiring an Adjuster’s license, ability to obtain a State Adjuster’s license within 90 days of hire and maintain it as per requirements.

• Valid driver's license is necessary if primary responsibilities include in-person inspections or frequent meetings.

• At least one year of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing both manual and electronic estimates, handling subrogation claims, resolving coverage issues, taking statements, and developing claim evaluation and resolution plans.

• Familiarity with the Essential Insurance Act (Michigan).

• Understanding of the Fair Trade Practices Act concerning claims.

• Knowledge of subrogation procedures and processes.

• Awareness of intercompany arbitration.

• Experience in managing simple litigation.

• Understanding of negligence law.

• Knowledge of no-fault law.

• Familiarity with collision repair techniques.

• Capability to manage claims according to Claim Handling Standards.

• Ability to adhere to and implement ACG Claim policies, procedures, and guidelines.

• Competence in utilizing assigned ACG Claim systems and basic PC software.

• Skill in conducting basic claim file reviews and investigations.

• Strong verbal and written communication skills.

• Customer service skills with the ability to build and sustain relationships with insureds and claimants.

• Problem-solving abilities and sound decision-making skills.

• Capacity to prioritize claim-related tasks effectively.

• Ability to process time-sensitive data and information from various sources.

• Organizational skills to manage time and responsibilities effectively.

• Ability to safely operate a motor vehicle for visits to repair facilities, homes, and other locations.

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

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

• Flexibility to relocate and work evenings or weekends as needed.

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

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

• Preferred: CPCU coursework or designation.

• Preferred: I-Car ProLevel training.

• Preferred: CCC training.

• Preferred: XACTware training.

• Must successfully pass the required background and drug screening.

🏝️ Benefits

• Potential for extension beyond the initial 3–6 month temporary assignment, if business needs arise.

• Opportunity for remote work from a home office for daily operations.

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

• Paid Time Off (PTO).

• Paid sick leave.

• Reasonable accommodations available for otherwise qualified applicants.

• Background and drug screening conducted by the employer.