Salvage Claim Representative I

AAA

. Investigate and manage low-complexity salvage claims .

Posted 9/21/2026full-timeRemote • United StatesMid-LevelSenior💰 $24 - $28 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing low-complexity salvage claims, including investigating claim facts, negotiating settlements, and applying relevant state laws. Proficient in utilizing claim handling systems and ensuring accurate documentation and resolution of claims.

Highest-signal resume keywords

Claim InvestigationNegotiating Claim SettlementsSubrogation ProceduresEffective Communication SkillsTime Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claim File ReviewEvidence EvaluationManual and Electronic EstimatesSubrogation ClaimsPolicy Coverage AnalysisClaim DocumentationPayment ApprovalLoss Value EvaluationClaims Closure ActivitiesBasic PC Software

Soft Skills

Customer Service SkillsProblem-Solving SkillsOrganizational SkillsDecision-Making SkillsRelationship Management

Tools & Technologies

ACG Claim SystemsClaim Handling SystemCollection Agency CoordinationInsurance Claim Software

Certifications & Qualifications

State Adjuster LicensesACG Claim Representative Training ProgramCPCU Coursework or DesignationInsurance Institute of America's General Insurance Program

Industry Keywords

Essential Insurance ActFair Trade Practices ActIntercompany ArbitrationAuto Collision ClaimsPIP/Medical-Pay Assignments

About the role

Key responsibilities & impact

Investigate and manage low-complexity salvage claims
Identify recovery opportunities and ensure accurate claim resolution
Review assigned claims and contact insureds and affected parties
Set expectations and initiate documentation in the claim handling system
Analyze policy coverage, provisions, benefits, exclusions, and applicability to reported losses
Create sub-claims or refer complex claims to management or appropriate claim handlers
Investigate claim facts and determine payment limits, exclusions, and recovery potential
Review damages and apply state law and other claim-related factors
Evaluate loss value and approve payments to appropriate parties
Refer files to Underwriting, Recovery Units, or Claims Special Investigation Unit as needed
Document and code claim files and complete claim closure activities
Identify liable parties and determine insurance status
Refer files to collection agencies and prepare proofs
Answer inquiry calls, gather additional proofs, and complete investigations
Obtain information from claim-related systems
Work with collection vendors to approve requests to file suit
Complete receipt and file closure processes, ensuring funds are returned and accounted for
Reimburse deductibles and prepare mini tort proofs when applicable
Perform simple recovery tasks involving auto collision, home, or PIP/medical-pay assignments
Work remotely from a home office for day-to-day operations, with occasional travel for meetings, collaboration, or team-building activities

Requirements

What you’ll need

Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
Must attain all required State Adjuster licenses for applicable states within 60 days after completing licensing coursework
Valid driver's license required if primary responsibilities involve in-person inspections or frequent in-person meetings
Experience negotiating claim settlements
Experience securing and evaluating evidence
Experience preparing manual and electronic estimates
Experience with subrogation claims
Basic knowledge of the Essential Insurance Act (Michigan)
Basic knowledge of the Fair Trade Practices Act as it relates to claims
Knowledge of subrogation procedures and processes
Knowledge of intercompany arbitration
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/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 research, analyze, and interpret subrogation laws in various states
Ability to travel outside assigned territory, potentially overnight
Ability to relocate and work evenings or weekends
Preferred: associate degree in Business Administration, Insurance, or 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: CCC training
Preferred: six months of experience with claim settlements, evidence evaluation, estimates, communication, or call center/queue calling

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 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
1 mental health day, 2 floating holidays, and 1 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 and occasional travel requirements