Remote APD Desk Claim Rep I

AAA-The Auto Club Group
June 22, 2022
San Antonio, TX
Job Type


Job Description

Remote APD Desk Claim Rep I – The Auto Club Group

What You Will Do

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 or third party liability 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.

How You Will Benefit

Claim Representative I will earn a competitive salary of $19.00 to $35.00 per hour with annual bonus potential based on performance.

Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include:

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



We’re looking for candidates who:

  • 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 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.
  • 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

Knowledge and Skills:

  • Essential Insurance Act (Michigan)
  • 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 work load and responsibilities
  • Research analyze and interpret subrogation laws in various states
  • Work evenings or weekends

What It’s Like To Work For Us

We serve our members by making their satisfaction our highest priority. We do what’s right by sustaining an open, honest and ethical work environment. We lead in everything we do by offering best-in-class products, benefits and services. And we value our employees by seeking the best talent, rewarding high performance and holding ourselves accountable.

All in all, we create an inclusive and welcoming environment of diverse backgrounds, experiences and viewpoints, realizing our differences make us stronger.

Who We Are

The Auto Club Group helps AAA Members enjoy life’s journey with peace of mind by providing innovative solutions, advocacy and membership benefits wherever and whenever they need them. We currently conduct business in 13 states in the upper Midwest and the Southeast.

The Auto Club Group has established four long-term enterprise goals:

  • Long-term, sustainable, profitable growth
  • AAA Membership growth and renewal
  • Operational excellence
  • Become the “flagship club” of the AAA Federation

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 principle 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 fulfil 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.

Drop files here browse files ...

Related Jobs

Remote APD Desk Claim Rep I   San Antonio, TX new
July 1, 2022