Salvage Claim Representative I

This is a fully remote position, open to applicants in Colorado, +11 more states.

📋 Description

• Conduct investigations and manage claims that are of low complexity.

• Recognize opportunities for recovery and ensure claims are resolved accurately.

• Review claims assigned to you and communicate with insured individuals and involved parties.

• Establish expectations and initiate documentation within the claims handling system.

• Analyze policy coverage, provisions, benefits, exclusions, and their relevance to reported losses.

• Create sub-claims or escalate complex claims to management or the appropriate claim handlers.

• Investigate the facts of claims and determine payment limits, exclusions, and potential for recovery.

• Assess damages while considering state laws and other factors related to the claims.

• Evaluate loss values and authorize payments to the appropriate parties.

• Refer cases to Underwriting, Recovery Units, or the Claims Special Investigation Unit when necessary.

• Document and code claims files and complete activities related to claim closure.

• Identify liable parties and ascertain their insurance status.

• Send files to collection agencies and prepare necessary proofs.

• Handle inquiry calls, collect additional proofs, and finalize investigations.

• Gather information from systems related to claims.

• Collaborate with collection vendors to authorize requests for filing lawsuits.

• Complete processes for receipt and file closure, ensuring proper accounting for returned funds.

• Reimburse deductibles and prepare mini tort proofs when applicable.

• Carry out straightforward recovery tasks involving auto collision, home, or PIP/medical-pay assignments.

• Operate remotely from a home office for daily tasks, with occasional travel for meetings, collaboration, or team-building activities.

⛳️ Requirements

• Complete the ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience.

• Must obtain all required State Adjuster licenses for applicable states within 60 days of finishing licensing coursework.

• A valid driver's license is necessary if primary responsibilities require in-person inspections or frequent meetings.

• Experience in negotiating claim settlements.

• Proven ability in securing and evaluating evidence.

• Experience in preparing both manual and electronic estimates.

• Familiarity with subrogation claims.

• Basic understanding of the Essential Insurance Act (Michigan).

• Basic knowledge of the Fair Trade Practices Act as it pertains to claims.

• Understanding of subrogation procedures and processes.

• Knowledge of intercompany arbitration.

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

• Capability to work within designated ACG Claim systems and basic PC software.

• Ability to conduct basic reviews and investigations of claim files.

• Strong verbal and written communication skills.

• Customer service skills with the ability to maintain relationships with insured individuals/claimants.

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

• Aptitude for prioritizing claim-related tasks.

• Competence in processing time-sensitive data from various sources.

• Ability to manage time effectively, organize, and plan workload.

• Capability to research, analyze, and interpret subrogation laws across different states.

• Willingness to travel outside assigned territory, potentially overnight.

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

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

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

• Preferred: CPCU coursework or designation.

• Preferred: CCC training.

• Preferred: six months of experience in claim settlements, evidence evaluation, estimates, communication, or call center/queue calling.

🏝️ Benefits

• Annual bonus incentive from the company.

• Medical plans with various coverage options, including HSA eligibility.

• Prescription drug coverage.

• Dental and vision benefits.

• Employee Assistance Program.

• Company-paid basic life insurance.

• Optional supplemental life insurance and dependent coverage.

• Coverage for short-term and long-term disability.

• Options for critical illness, accident, and pet insurance.

• 401(k) plan with company match and additional contributions.

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA).

• Paid Time Off (PTO).

• Ten company-paid holidays each year for full-time employees.

• One mental health day, two floating holidays, and one volunteer day.

• Paid leave for parental, bereavement, jury duty, and military service.

• Tuition assistance of up to $5,250 annually.

• Support for professional certification with 100% reimbursement for eligible programs.

• Opportunities for career development and advancement.

• Complimentary AAA membership including roadside assistance and travel discounts.

• Adoption assistance program.

• Remote work from a home office for daily operations, subject to policy and occasional travel requirements.