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Position Claim Representative – PIP
Organization AAA The Auto Club Group
Location Tampa
Job Category Full Time
Start Date
Description The Auto Club Group (ACG) provides membership, travel, insurance and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America. An affiliate of The Auto Club Group, this position is part of Auto Club Insurance Company of Florida (ACICF), a Florida-based insurance company that understands the importance of protecting your most valuable possessions. Primary Duties and Responsibilities: Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards. Resolve coverage questions, take statements and establish clear evaluation and resolution plans for PIP claims. Claim handling responsibilities will include the following: reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim, and initiating documentation in the claim handling system. Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss. Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler. 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. Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim. Evaluate the financial value of the loss. Approve payments for the appropriate parties accordingly. Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit). Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system. Utilize strong negotiating skills. Employees assigned to the Liability, Bodily Injury, Med Pay, MRTS and Non-MI PIP claim units will handle moderately complex claims involving liability disputes, bodily injuries, and generally valued up to $50,000. Answer coverage and policy questions. Handle Med Pay claims in all states, and PIP claims in KY, MN and ND. Apply the correct liability determination, evaluate the damages and arrive at a fair settlement. Preferred Qualifications Associate's 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. Subrogation experience in a property/casualty insurance company. Strong negotiation skills. Experience to include : • Analyzing and problem solving • Organization and planning • Decision making • Medical bill auditing • Demands and Litigation Basic PC software skills (Word, Excel etc.) Work Environment Works in a temperature controlled office environment. Education: • 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 states • Must have a valid State Driver's License Experience: One year of experience with: • Negotiating claim settlements • Securing and evaluating evidence • Preparing manual and electronic estimates • Subrogation claims • Resolving coverage questions • Taking statements • Establishing clear evaluation and resolution plans for claims Knowledge and Skills: Knowledge of: • Fair Trade Practices Act as it relates to claims • Subrogation procedures and processes • Intercompany arbitration • Negligence Law • No-Fault Law • Medical terminology and human anatomy Ability to: • 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 insureds/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 work load 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 • Strong negotiating skills The Auto Club Group offers a competitive compensation and benefits package including a base salary with performance based incentives; medical/dental/vision insurance, pension, 401(k), generous time off, a complimentary AAA Membership and much more! Important Note: 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 of its affiliated companies, is an equal opportunity/affirmative action 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. To apply go to:–-PIP/
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