Claim Representative I

AAA

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

Posted 10/14/2026full-timeAuburn Hills • Michigan • United StatesJunior💰 $25 - $30 per hourWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in investigating and resolving automobile physical damage claims, including negotiating settlements and applying relevant state laws. Proficient in utilizing claims management systems and adhering to claim handling standards while maintaining effective communication and customer service.

Highest-signal resume keywords

Negotiating Claim SettlementsKnowledge of Essential Insurance ActSubrogation Procedures and ProcessesClaim Handling StandardsClaims Management Systems

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Investigating ClaimsEvaluating Financial Value of LossesPreparing Manual and Electronic EstimatesCompleting Coverage AnalysesDocumenting Claim FilesCoding Claim FilesHandling APD ClaimsPerforming Claim File ReviewsAnalyzing Subrogation LawsManaging Direct Repair Shops

Soft Skills

Effective Verbal CommunicationEffective Written CommunicationCustomer Service SkillsProblem-Solving SkillsTime Management Skills

Tools & Technologies

Claims Management SystemBasic PC Software

Certifications & Qualifications

State Adjuster’s LicenseInsurance Institute of America General Insurance ProgramAssociate in ClaimsCPCU Coursework or DesignationI-CAR ProLevel TrainingCCC TrainingACG Claim Representative Training Program

Industry Keywords

Automobile Physical Damage ClaimsFair Trade Practices ActIntercompany ArbitrationSubrogationTotal-Loss Settlements

About the role

Key responsibilities & impact

Investigate, evaluate, and resolve low-complexity automobile physical damage claims
Review assigned claims and contact insureds and other affected parties
Set expectations for the claim process
Initiate documentation in the claim handling system
Complete coverage analyses and identify policyholder benefits
Create additional sub-claims when needed
Investigate claim facts, applicable limits, exclusions, and recovery potential
Review damages and determine applicability of state law and other claim-related factors
Evaluate the financial value of losses
Approve payments for appropriate parties
Refer claims to Underwriting, Recovery Units, or the Claims Special Investigation Unit when necessary
Document and code claim files and complete claim closure activities in the claims management system
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
Work remotely from a home office for day-to-day operations, with occasional travel for meetings, collaboration, or team-building activities as specified by leadership

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 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 responsibilities involve in-person inspections or frequent in-person meetings
Six months of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, and identifying recovery opportunities in subrogation claims
Advanced 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
Ability to handle claims according 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 reviews and investigations
Effective verbal and written communication skills
Customer service and relationship-building skills
Problem-solving and sound decision-making skills
Ability to prioritize claim-related functions
Ability to process time-sensitive data and information from multiple sources
Time management, organization, and workload planning skills
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 involving overnight stays
Ability to relocate and work evenings or weekends
Background and drug screen required upon offer of employment
Preferred: Associate degree in Business Administration, Insurance, or related field, or equivalent related work experience
Preferred: Insurance Institute of America 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

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)
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; 80% covered by ACG
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 and occasional travel requirements