Claim Representative 1

AAA

. Investigate, evaluate, and resolve low-complexity automobile physical damage claims .

Posted 11/9/2026full-timeRemote • United StatesJunior💰 $25 - $30 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in investigating and resolving automobile physical damage claims, including negotiation of settlements and compliance with relevant insurance laws. Proficient in documentation, analysis of coverage, and maintaining relationships with insureds and claimants.

Highest-signal resume keywords

Negotiation Of Claim SettlementsKnowledge Of Essential Insurance ActSubrogation Procedures And ProcessesClaim Handling StandardsEffective Verbal And Written Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claim InvestigationCoverage AnalysisDamage EstimationClaim DocumentationClaims Settlement NegotiationSubrogation Recovery IdentificationClaim File ReviewBasic PC Software ProficiencyTime-Sensitive Data ProcessingAutomobile Physical Damage Claims Handling

Soft Skills

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

Tools & Technologies

Claim Handling SystemACG Claim Systems

Certifications & Qualifications

State Adjuster's LicenseACG Claim Representative Training Program

Industry Keywords

Fair Trade Practices ActIntercompany ArbitrationDirect Repair Shops ComplianceAutomobile Insurance ClaimsMichigan Insurance Regulations

About the role

Key responsibilities & impact

Investigate, evaluate, and resolve low-complexity automobile physical damage claims
Review assigned claims and contact insureds and affected parties
Set expectations for the claim process
Initiate and maintain documentation in the claim handling system
Complete coverage analyses and identify policyholder benefits
Create additional sub-claims when needed
Investigate claim facts to determine payment, limits, exclusions, and recovery potential
Review damages and determine the applicability of state law and other claim factors
Evaluate loss value and approve appropriate payments
Refer claims to Underwriting, Recovery Units, or the Claims Special Investigation Unit when necessary
Code and document claim files and complete claim closure activities
Negotiate claim settlements
Handle moderately complex APD claims, including total-loss settlements, vehicle inspections, and damage estimates
Manage Direct Repair Shops for program compliance when assigned to the DRS Examiner role
Determine cause of damage, establish liability, identify subrogation potential, monitor repairs, and approve car rental expenses
Handle simple APD litigation cases when needed

Requirements

What you’ll need

High school diploma or equivalent
Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
Eligible to acquire a State Adjuster's license within 90 days of hire where required and maintain it as specified
Valid driver's license required when primary responsibilities involve in-person inspections or frequent in-person meetings
Six months of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, and identifying subrogation recovery opportunities
Advanced knowledge of the 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
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 and basic PC software
Ability to perform basic claim file reviews and investigations
Effective verbal and written communication skills
Customer service skills and ability to 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 from multiple sources
Ability to manage time, organize, and plan workload
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 the assigned territory, potentially overnight
Ability to relocate and work evenings or weekends

Benefits

Comp & perks

Annual company bonus incentive
Medical plans with multiple 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
Short-term and long-term disability coverage
Critical illness, accident, and pet insurance options
401(k) plan with automatic deferral, company match, and additional company contribution
Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
Paid Time Off (PTO), increasing with tenure
10 company-paid holidays annually for full-time employees
Mental health day, floating holidays, and volunteer day
Paid parental, bereavement, jury duty, and military leave
Tuition assistance up to $5,250 annually
Professional certification support with 100% reimbursement for eligible programs
Career development and advancement opportunities
Complimentary AAA membership with roadside assistance and travel discounts
Adoption assistance program
Remote work from a home office for day-to-day operations, subject to policy changes