Michigan APD Claim Representative II

As an Auto Liability Michigan Claim Representative II, you will play a pivotal role in delivering exceptional claim outcomes while making a meaningful difference in customers' lives during challenging situations. In this dynamic and fast-paced role, you will investigate, evaluate, negotiate, and resolve automobile liability claims with confidence and expertise, ensuring compliance with Michigan insurance laws, company guidelines, and regulatory requirements.

What You Will Do

Claim handling responsibilities will include reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim process, initiating documentation in the claim handling system, complete complex coverage analysis, ensure all possible policyholder benefits are identified, create additional sub-claims if needed, complete an investigation of the facts regarding the claim to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential.

Why It Might Be a Fit

Employees assigned to Auto Physical Damage (“APD”) claim unit will handle moderately complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage. If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program. Additional responsibilities may include determining cause of damage, establishing liability, identifying subrogation potential, monitoring repairs and approving car rental expense.

Requirements

• High school diploma or equivalent
• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• Florida State Adjuster license
• Valid driver's license
• Two years of experience or equivalent training in negotiation of claim settlements, securing and evaluating evidence, preparing manual and electronic estimates, subrogation claims-identifying recovery opportunities, resolving coverage questions, taking statements, establishing clear evaluation and resolution plans for claims

Benefits

• Medical plans with multiple coverage options, including HSA eligibility
• Prescription drug coverage
• Dental and vision benefits
• Employee Assistance Program (confidential support services)
• 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 to support long-term financial goals
• 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax
• Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting
• Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service
• HSA and Flexible Spending Accounts (FSA) options
• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment
• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements
• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month
• Paid holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays, and 1 volunteer day. Holidays will vary by business schedules
• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays will vary by business unit schedules
• Paid leave programs, including 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
• Opportunities for career development and advancement
• Complimentary AAA membership with roadside assistance and travel discounts
• Adoption assistance program