Sr. Claim Specialist (Michigan Assigned Claim Unit)

About the role

The Auto Club Group is seeking a Senior Claim Specialist to work within the Michigan Assigned Claim Unit. This position requires occasional in-person court appearances and is open to candidates residing within a 50-mile radius of Dearborn, Michigan.

Responsibilities

• Review and contact insureds and other parties involved in assigned claims
• Set expectations for the claim process and initiate documentation in the claim handling system
• Complete coverage analysis on complex claims and identify all possible policyholder benefits
• Create additional sub-claims as needed and conduct thorough damage evaluations
• Evaluate financial value of losses and approve payments for appropriate parties
• Refer claims to other units as necessary, such as Underwriting, Recovery Units, or Claims Special Investigation Unit
• Document and complete claim closure activities in the assigned claims management system
• Utilize strong negotiation skills, especially in MACP and attorney-represented claims
• Manage and resolve litigation files associated with PIP claims

Requirements

• Three years of experience or equivalent training in complex claim settlements, evidence preparation, subrogation, and coverage questions
• Advance knowledge of Michigan's Essential Insurance Act, Fair Trade Practices Act, subrogation procedures, and litigation
• Knowledge of negligence law, no-fault law, medical terminology, and human anatomy
• Ability to handle claims to the line, follow ACG policies and procedures, and manage time and workload effectively
• Effective communication and customer service skills, with the ability to build relationships with insureds/claimants
• Strong problem-solving and decision-making abilities, with the ability to prioritize tasks and research subrogation laws in various states

Qualifications

• Education: Completion of ACG Claim Representative Training Program or equivalent knowledge/experience, with eligibility to acquire a State Adjuster's license within 90 days of hire
• Experience: Three years of experience or equivalent training in complex claim settlements, evidence preparation, subrogation, and coverage questions
• Knowledge: Advance knowledge of Michigan's Essential Insurance Act, Fair Trade Practices Act, subrogation procedures, and litigation; knowledge of negligence law, no-fault law, medical terminology, and human anatomy
• Skills: Strong negotiation skills, ability to handle claims to the line, follow ACG policies and procedures, manage time and workload effectively, communicate and build relationships with insureds/claimants, solve problems, and research subrogation laws in various states
• Preferred Qualifications: Associate degree in Business Administration, Insurance, or a related field; completion of the Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent CPCU coursework or designation

Benefits

ACG offers a competitive annual salary range of $85,321.60 to $95,000, along with a comprehensive benefits package including medical, dental, and vision benefits, a 401(k) match, paid parental leave and adoption assistance, paid time off, company-paid holidays, CEO days, and floating holidays, tuition assistance, and professional certification reimbursement. Additionally, AAA members receive discounts, perks, and rewards.

Pay

A competitive annual salary between $85,321.60 to $95,000, with a geographic pay differential as part of the base salary compensation program.

Schedule

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, in-person court appearances, 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.