Field Auto Appraiser - Big Rapids/Mount Pleasant, Michigan Area
$75,000–$85,000 year
HybridBig Rapids, Michigan, United States or Michigan, United States
Job Summary
Inspect and evaluate complex vehicle damage claims in the field, determining repair or total loss values with minimal supervision. Review assigned claims, contact insured parties, and initiate documentation while conducting thorough investigations to identify policyholder benefits and applicable exclusions. Negotiate settlements with repair facilities and vendors, monitor repairs, and approve car rental expenses. Oversee APD litigation cases, manage attorney budgets, and participate in mediation activities. Document all activities in the claims management system and refer complex cases to underwriting or recovery units as needed.
Required Qualifications
- High school diploma or equivalent
- Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
- Must be eligible to acquire a State Adjuster's license within 90 days of hire and maintain as specified for appropriate state
- Must have a valid State Driver's License
- Three years of experience or equivalent training in the following: negotiation of 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
- Handle claims to the line
- 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
- Consent to a background and drug screen
Desired Qualifications
- 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
- Advanced 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
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