Field Auto Appraiser

AAA

. Inspect, evaluate, and determine repair or total-loss values for complex vehicle damage claims in the field .

Posted 9/28/2026full-timeLivonia • Michigan • United StatesMid-LevelSenior💰 $75,000 - $85,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating and managing complex vehicle damage claims, including negotiation, documentation, and compliance with state laws and insurance policies. Proficient in customer service, problem resolution, and effective communication to ensure successful claim outcomes.

Highest-signal resume keywords

Complex Vehicle Damage Claims ManagementNegotiation of Claim SettlementsClaim Documentation and CodingSubrogation Law Research and AnalysisACG Claim Policies and Procedures

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claim Evaluation and ResolutionCoverage AnalysisDamage EstimationSubrogation Claims HandlingClaim File ReviewInsurance Policy InterpretationTime-Sensitive Data ProcessingVehicle InspectionTotal-Loss Settlement ManagementBudget Management

Soft Skills

Effective Verbal CommunicationWritten Communication SkillsCustomer Service SkillsRelationship-Building SkillsProblem Analysis and Resolution

Tools & Technologies

ACG Claim SystemsBasic PC SoftwareClaim Handling System

Certifications & Qualifications

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

Industry Keywords

Michigan Essential Insurance ActFair Trade Practices ActNegligence LawNo-Fault LawCollision Repair Techniques

About the role

Key responsibilities & impact

Inspect, evaluate, and determine repair or total-loss values for complex vehicle damage claims in the field
Review assigned claims and contact insureds and other affected parties
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, limits, exclusions, and recovery potential
Review damages and determine applicability of state law and other claim factors
Evaluate financial loss values and approve appropriate payments
Refer claims to Underwriting, Recovery Units, or the Claims Special Investigation Unit when necessary
Document and code claim files and complete claim closure activities
Negotiate with repair facilities, customers, and vendors
Handle complex Auto Physical Damage 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 damage cause, establish liability, and identify subrogation potential
Monitor repairs and approve car rental expenses
Oversee APD litigation cases, including attorney and budget management, mediation participation, and settlement-position decisions
Assist the Claim Manager with file reviews and training
Operate with minimal supervision and independent authority on technically challenging and high-severity claims
Provide guidance on technical issues, policy interpretation, and claim-resolution strategies

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, eligible to acquire a State Adjuster’s license within 90 days of hire and maintain it as specified
Valid State Driver's License
Three years of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims, resolving coverage questions, taking statements, and establishing claim evaluation and resolution plans
Handle claims according to Claim Handling Standards
Apply ACG Claim policies, procedures, and guidelines
Work within ACG Claim systems and basic PC software
Perform basic claim file reviews and investigations
Effective verbal and written communication skills
Customer service and relationship-building skills
Problem analysis, resolution, 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
Safely operate a motor vehicle to visit repair facilities, homes, patients, and other locations
Research, analyze, and interpret subrogation laws in various states
Ability to travel outside the assigned territory, including possible overnight stays
Ability to relocate and work evenings or weekends
Background and drug screen required upon employment offer
Preferred: Associate degree in Business Administration, Insurance, or related field, or equivalent related work experience
Preferred: 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
Preferred knowledge of Michigan Essential Insurance Act, Fair Trade Practices Act as related to claims, subrogation procedures, intercompany arbitration, simple litigation, Negligence Law, No-Fault Law, and collision repair techniques

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
50% company match on employee contributions up to 6% of pay
Additional company contribution of 4% of pay each pay day; 100% vested after three years
Health Savings Account and Flexible Spending Account options
Paid Time Off, 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; 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