Claim Representative II

AAA

. Review assigned automobile liability and auto physical damage claims .

Posted 9/22/2026full-timeRemote • Michigan • United StatesJunior💰 $59,000 - $79,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in automobile liability claims management, including negotiation, coverage analysis, and compliance with Michigan insurance laws. Proficient in utilizing claims management systems and maintaining accurate documentation while delivering timely resolutions.

Highest-signal resume keywords

Automobile Liability Claims ManagementNegotiating Claim SettlementsAdvanced Knowledge of Michigan Insurance LawsClaims Management System ProficiencyEffective Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Coverage AnalysisClaim DocumentationSubrogation ProceduresDamage EstimationClaims InvestigationClaim File ReviewNegotiation SkillsTime ManagementDecision-MakingProblem-Solving

Soft Skills

Customer Service SkillsRelationship-Building SkillsOrganizational SkillsWorkload Planning SkillsEffective Verbal Communication

Tools & Technologies

Claims Management SystemBasic PC Software

Certifications & Qualifications

State Adjuster’s LicenseCompletion of ACG Claim Representative Training ProgramCPCU Coursework or DesignationI-CAR ProLevel TrainingCCC TrainingXACTware Training

Industry Keywords

Essential Insurance ActFair Trade Practices ActNegligence LawNo-Fault LawCollision Repair TechniquesIntercompany ArbitrationSimple LitigationSubrogation RecoveryClaim Handling StandardsInsurance Compliance

About the role

Key responsibilities & impact

Review assigned automobile liability and auto physical damage claims
Contact insureds and other affected parties and set expectations for the claim process
Initiate and maintain claim documentation in the claim handling system
Complete complex coverage analysis and identify all applicable policyholder benefits
Create additional sub-claims when needed
Investigate claim facts to determine payment, applicable limits or exclusions, and recovery potential
Review damages and determine the applicability of Michigan 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 closure activities in the claims management system
Negotiate claim resolutions
Settle moderately complex auto physical damage total losses
Inspect vehicles and prepare damage estimates
Manage Direct Repair Shops for program compliance when serving as a DRS Examiner
Determine damage cause, establish liability, identify subrogation potential, monitor repairs, and approve car rental expenses
Handle simple APD litigation cases
Deliver fair, timely claim resolutions while complying with Michigan insurance laws, company guidelines, and regulatory requirements

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 if responsibilities involve in-person inspections or frequent in-person meetings
One year of experience or equivalent training in negotiating claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, identifying subrogation recovery opportunities, resolving coverage questions, taking statements, and establishing claim evaluation and resolution plans
Advanced knowledge of the Essential Insurance Act (Michigan), Fair Trade Practices Act as it relates to claims, subrogation procedures, intercompany arbitration, simple litigation, Negligence Law, No-Fault Law, and collision repair techniques
Ability to handle claims according to Claim Handling Standards and apply ACG Claim policies, procedures, and guidelines
Ability to work within ACG Claim systems and basic PC software
Basic claim file review and investigation skills
Effective verbal and written communication skills
Customer service and relationship-building skills with insureds and claimants
Problem-solving, sound decision-making, prioritization, time management, organization, and workload planning skills
Ability to process time-sensitive information from multiple sources
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
Willingness to travel outside the assigned territory, potentially overnight
Willingness 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 programs, CPCU coursework or designation, I-CAR ProLevel training, CCC training, or 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, employee contributions, 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
1 mental health day, 2 floating holidays, and 1 volunteer day for full-time employees
Paid parental, bereavement, jury duty, and military leave
Tuition assistance up to $5,250 annually, with 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 ACG Flex Work policy