Job Type:

Job Description:

Location Details: Remote

Position Schedule / Shift: Monday-Friday 8am-5pm

Position Summary: 

This is a temporary assignment for 3-6 months with a possibility for extension if there is a business need.

As a Temporary Claim Representative II supporting Auto Physical Damage (APD) claims, you will handle moderately complex auto claims from initial review through resolution. You will investigate losses, review policy coverage, evaluate vehicle damage, communicate with customers and other involved parties, negotiate settlements, and approve appropriate payments. You may also inspect vehicles, prepare damage estimates, settle total losses, monitor repairs and rental expenses, and identify potential recovery opportunities. You will document claim activity and partner with other teams when additional review or assistance is needed.

Key Responsibilities:

• Review and manage moderately complex APD claims from initial assignment through resolution

• Contact insureds and other affected parties, set expectations, and provide clear communication throughout the claim process

• Analyze policy coverage, limits, exclusions, and available policyholder benefits. 

• Investigate claim facts, determine cause of loss and liability, and identify potential subrogation or recovery opportunities. 

• Inspect vehicles, evaluate damages, and prepare damage estimates. 

• Evaluate the financial value of losses and negotiate appropriate claim settlements.

• Settle total loss claims and approve payments to appropriate parties. 

• Monitor vehicle repairs and approve eligible car rental expenses.

• Create additional sub-claims and refer claims to other company units when appropriate, including Underwriting, Recovery, or Claims Special Investigation. 

• Maintain accurate claim documentation, coding, and closure activities in the claims management system. 

• Handle simple APD litigation cases, as assigned. 

• For employees assigned to the DRS Examiner role, manage Direct Repair Shops to ensure compliance with program requirements.

Qualifications:

Required 

Education

• High School diploma or equivalent

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience 

• In states where an Adjuster’s license is required, the candidate must be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate state 

• A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members 

Experience

• Two years of experience or equivalent training in the following

• 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

Knowledge of

• Essential Insurance Act (Michigan)

• Fair Trade Practices Act as it relates to claims 

• Subrogation procedures and processes 

• Intercompany arbitration 

• Handling simple litigation 

• Negligence Law 

• No-Fault Law 

• Collision repair techniques 

Skills

• Handle claims to the line Claim Handling Standards

• Follow and apply ACG Claim policies, procedures and guidelines 

• Work within assigned ACG Claim systems including basic PC software 

• Perform basic claim file review and investigations 

• Demonstrate effective communication skills (verbal and written) 

• Demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns 

• Analyze and solve problems while demonstrating sound decision-making skills 

• Prioritize claim related functions

• Process time sensitive data and information from multiple sources 

• Manage time, organize and plan workload and responsibilities 

• Safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc. 

• Research analyze and interpret subrogation laws in various states 

• Travel outside of assigned territory which may involve overnight stay 

• Relocate, work evenings or weekends 

Preferred

Education

• Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience

• Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, associate in management or equivalent 

• CPCU coursework or designation 

• I-Car ProLevel training 

• CCC training 

• XACT ware Training 

Work Environment: This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy. 

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Compensation

A Temporary APD Claim Representative II earns a competitive salary of $59,000-$69,000 annually, prorated based on hours worked.

Job Posting Period:  This position is expected to remain posted through November 30, 2026; however, it may close at any time once a qualified candidate pool is identified.

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.  

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job.  This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements.  Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.