Subrogation Investigative Claim Representative II
AAA The Auto Club Group is a leading organization providing membership, travel, insurance, and financial services. They are seeking a Subrogation Investigative Claim Representative II to handle moderately complex claims, assist with investigations, and evaluate recovery potential while ensuring compliance with claim handling standards.
Responsibilities
- Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards
- Take statements and establish clear evaluation and resolution plans for claims
- Assist with subrogation investigations. This may include insurance verification, obtaining proofs, taking recorded statements, and hiring experts
- 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 an investigation of the facts and determine 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
Skills
- 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
- One year of experience with negotiating claim settlements
- One year of experience with securing and evaluating evidence
- One year of experience with preparing manual and electronic estimates
- One year of experience with subrogation claims
- One year of experience with resolving coverage questions
- One year of experience with taking statements
- One year of experience with establishing clear evaluation and resolution plans for claims
- Essential Insurance Act (Michigan)
- Fair Trade Practices Act as it relates to claims
- Subrogation procedures and processes
- Intercompany arbitration
- Technical knowledge of Negligence Law
- Technical knowledge of No-Fault Law
- Technical knowledge of Collision repair shop
- Ability to handle claims to the line Claim Handling Standards
- Ability to follow and apply ACG and Meemic Claim policies, procedures and guidelines
- Ability to work within assigned Meemic Claim systems including basic PC software
- Ability to perform basic claim file review and investigations
- Ability to demonstrate effective communication skills (verbal and written)
- Ability to demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns
- Ability to analyze and solve problems while demonstrating sound decision making skills
- Ability to prioritize claim related functions
- Ability to process time sensitive data and information from multiple sources
- Ability to manage time, organize and plan workload and responsibilities
- Ability to research analyze and interpret subrogation laws in various states
- Strong negotiating skills
Benefits
- Medical, dental and vision benefits
- 401k Match
- Paid parental leave and adoption assistance
- Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
- Paid volunteer day annually
- Tuition assistance program, professional certification reimbursement program and other professional development opportunities
- AAA Membership
- Discounts, perks, and rewards and much more
Company Overview