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Job Type:

Full time

Exempt/Non Exempt:

Salary

Job Description:

Claim Representative II (Florida PIP) – The Auto Club Group

What you will do:

The Auto Club Group is seeking prospective Claim Representative II who will 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.

In this position, you will have the opportunity to:

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 the Liability, Bodily Injury, Med Pay, MRTS and Non-MI PIP claim units will handle moderately complex claims involving liability disputes, bodily injuries, and generally valued up to $50,000. Answer coverage and policy questions. Handle Med Pay claims in all states, and PIP claims in KY, MN and ND. Apply the correct liability determination, evaluate the damages and arrive at a fair settlement.

Supervisory Responsibilities (briefly describe, if applicable, or indicate None):

None

With our powerful brand and the mentoring, we offer, you will find your position as a Claim Representative II can lead to a rewarding career at our growing organization.

Work Environment

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

How you will benefit:

A competitive annual salary between $57,900 to $64,100
ACG offers excellent and comprehensive benefits packages, including:
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, rewards, and much more

We’re looking for candidates who:

Required Qualifications (these are the minimum requirements to qualify)

Education (include minimum education and any licensing/certifications):

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.
A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.

Experience:

One year of experience with:

Negotiating claim settlements

Securing and evaluating evidence
- Preparing manual and electronic estimates
- Subrogation claims, including identifying recovery opportunities

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
Medical terminology and human anatomy

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 workload 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

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

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Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.

Claim Representative II (Florida PIP) – The Auto Club Group

What you will do:

In this position, you will have the opportunity to:

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.

Supervisory Responsibilities (briefly describe, if applicable, or indicate None):

None

With our powerful brand and the mentoring, we offer, you will find your position as a Claim Representative II can lead to a rewarding career at our growing organization.

Work Environment

How you will benefit:

A competitive annual salary between $57,900 to $64,100

ACG offers excellent and comprehensive benefits packages, including:

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, rewards, and much more

We’re looking for candidates who:

Required Qualifications (these are the minimum requirements to qualify)

Education (include minimum education and any licensing/certifications):

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.

A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.

Experience:

One year of experience with:

Negotiating claim settlements

Securing and evaluating evidence

Preparing manual and electronic estimates

Subrogation claims, including identifying recovery opportunities

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

Medical terminology and human anatomy

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 workload 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

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

ACICF Auto Club Insurance Company of Florida

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Claim Representative II (Florida PIP)