APD Claim Representative I - Tampa, FL

About the position This position is hybrid with time in office and remote. Our in-office location is located in Tampa, Florida for in office day-to-day operations. The selected candidates must reside within 50 miles from our Tampa, Florida headquarters. APD Claim Representative I (Florida) – The Auto Club Group Reports to: APD Claim Manager I. The Auto Club Group is seeking prospective Claim Representative I who will handle basic, entry-level claims under close supervision and with a lower level of claim handling authority. The claim handling responsibilities may cover most of the lifecycle of the claim, or focus on an expanded role with specific phases, such as, subrogation. In this position, you will have the opportunity to: Review assigned claims, Contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system. Complete a general 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. Make referrals 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. Employees assigned to the Auto Physical Damage (“APD”) claims unit will handle simple claims that do not involve injuries and utilize the company’s Direct Repair Shop (DRS) programs. Utilizing these programs require a basic level of claims handling expertise and authority. Additional responsibilities may include the following: determining liability issues, injuries or other factors require reassignments of the claim; contacting the insured to verify and gather accident and damage facts to determine the appropriate method of inspecting the vehicle; reviewing vehicle repair estimates to understand the value of damages applicable to the claim; monitoring and approving care rental expenses; obtaining and reviewing police reports and other vehicle or accident related documents as part of the claim investigation; monitoring vehicle repair status and interacting with DRS shops and Claims DRS Examiners when needed to resolve and communicate claims status and issues. With our powerful brand and the mentoring, we offer, you will find your position as a Claims Representative I can lead to a rewarding career at our growing organization.

Responsibilities

• Review assigned claims
• Contact the insured and other affected parties, set expectations for the remainder of the claim, and initiate documentation in the claim handling system.
• Complete a general 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.
• Make referrals 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.
• Determine liability issues, injuries or other factors require reassignments of the claim.
• Contact the insured to verify and gather accident and damage facts to determine the appropriate method of inspecting the vehicle.
• Review vehicle repair estimates to understand the value of damages applicable to the claim.
• Monitor and approve care rental expenses.
• Obtain and review police reports and other vehicle or accident related documents as part of the claim investigation.
• Monitor vehicle repair status and interact with DRS shops and Claims DRS Examiners when needed to resolve and communicate claims status and issues.

Requirements

• 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
• I-Car 2000 training
• CCC training
• 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 or have a current up to date License
• Must have a valid State Driver's License
• Six months of experience with: Negotiation of claim settlements
• Securing and evaluating evidence
• Preparing manual and electronic estimates
• Subrogation claims
• Basic knowledge of: Fair Trade Practices Act as it relates to claims
• Subrogation procedures and processes
• Intercompany arbitration
• Basic knowledge of: Negligence Law
• No-Fault Law
• Collision repair techniques
• Ability to: 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 workload and responsibilities
• Research analyze and interpret subrogation laws in various states
• Work evenings or weekends
• Must reside within 50 miles of our Tampa Florida Headquarters'

Benefits

• 401k Match
• Medical
• Dental
• Vision
• PTO
• Paid Holidays
• Tuition Reimbursement

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