APD Claim Representative II

AAA

. Review and manage moderately complex Auto Physical Damage claims from initial assignment through resolution .

Posted 11/3/2026full-timeRemote • United StatesJunior💰 $59,000 - $69,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing Auto Physical Damage claims, including negotiation of settlements, policy analysis, and compliance with relevant insurance laws. Proficient in effective communication, problem-solving, and maintaining accurate documentation throughout the claims process.

Highest-signal resume keywords

Auto Physical Damage Claims ManagementNegotiation of Claim SettlementsKnowledge of Essential Insurance ActEffective Verbal and Written CommunicationAbility to Analyze Policy Coverage

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims DocumentationDamage EstimationSubrogation ProceduresCollision Repair TechniquesClaim Evaluation and ResolutionBasic Claim File ReviewInvestigation of ClaimsTime-Sensitive Data ProcessingPolicy Coverage AnalysisLitigation Handling

Soft Skills

Customer Service SkillsProblem-Solving SkillsSound Decision-Making SkillsOrganizational SkillsRelationship Building

Tools & Technologies

Claims Management SystemBasic PC SoftwareXACTwareCCC TrainingI-Car ProLevel Training

Certifications & Qualifications

State Adjuster's LicenseACG Claim Representative Training ProgramCPCU Coursework or DesignationInsurance Institute of America's General Insurance ProgramAssociate in Claims

Industry Keywords

Fair Trade Practices ActNegligence LawNo-Fault LawIntercompany ArbitrationDirect Repair Shops Compliance

About the role

Key responsibilities & impact

Review and manage moderately complex Auto Physical Damage claims from initial assignment through resolution
Contact insureds and other affected parties, set expectations, and communicate throughout the claim process
Analyze policy coverage, limits, exclusions, and policyholder benefits
Investigate claim facts, determine cause of loss and liability, and identify subrogation or recovery opportunities
Inspect vehicles, evaluate damage, and prepare damage estimates
Evaluate financial loss values and negotiate claim settlements
Settle total-loss claims and approve payments to appropriate parties
Monitor vehicle repairs and approve eligible car-rental expenses
Create sub-claims and refer claims to Underwriting, Recovery, or Claims Special Investigation when appropriate
Maintain accurate claim documentation, coding, and closure activities in the claims management system
Handle simple APD litigation cases as assigned
For employees assigned to the DRS Examiner role, manage Direct Repair Shops for compliance with program requirements
Travel as needed for inspections, meetings, collaborative activities, team building, or outside the assigned territory

Requirements

What you’ll need

High School diploma or equivalent
Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
In states where an Adjuster’s license is required, eligibility to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified
Valid driver's license required if primary responsibilities involve in-person inspections or frequent in-person meetings
One year of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims or identifying recovery opportunities, resolving coverage questions, taking statements, and establishing claim evaluation and resolution plans
Knowledge of Essential Insurance Act (Michigan)
Knowledge of Fair Trade Practices Act as it relates to claims
Knowledge of subrogation procedures and processes
Knowledge of intercompany arbitration
Knowledge of handling simple litigation
Knowledge of negligence law
Knowledge of no-fault law
Knowledge of collision repair techniques
Ability to handle claims to Claim Handling Standards
Ability to follow and apply ACG Claim policies, procedures, and guidelines
Ability to work within assigned ACG Claim systems including basic PC software
Ability to perform basic claim file review and investigations
Effective verbal and written communication skills
Customer service skills and ability to build and maintain relationships with insureds and claimants
Problem-solving and 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 safely operate a motor vehicle for visits to repair facilities, homes, patients, and other locations
Ability to research, analyze, and interpret subrogation laws in various states
Ability to travel outside assigned territory, potentially involving overnight stays
Ability to relocate and work evenings or weekends
Preferred: Associate degree in Business Administration, Insurance, or a related field, or equivalent related work experience
Preferred: Completion of Insurance Institute of America's General Insurance Program, Associate in Claims, Associate in Management, or equivalent
Preferred: CPCU coursework or designation
Preferred: I-Car ProLevel training
Preferred: CCC training
Preferred: XACTware training
Must pass required background and drug screening

Benefits

Comp & perks

Potential extension beyond the 3–6 month temporary assignment if there is a business need
Remote work from a home office for day-to-day operations
Occasional travel for meetings, collaborative activities, or team building activities
PTO
Paid sick leave
Reasonable accommodations for otherwise qualified applicants
Background and drug screen conducted by the employer