PIP Claim Rep I Michigan

Location Details: Hybrid

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

Position Summary:  

Handle low complexity claims under close supervision and with a lower-level of claim-handling authority.  Claim handling responsibilities may cover most of the lifecycle of the claim or focus on an expanded role with specific phases such as subrogation. 

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 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. 

Key Responsibilities: 

• 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

Qualifications: 

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 Pro Level training

• CCC training

• Xactware Training

Experience:

• Six months of experience with:

• negotiating claim settlements

• securing and evaluating evidence

• preparing manual and electronic estimates

• subrogation claims

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 Claim Rep I earns a competitive hourly rate of $24.93- $38.77 along with the opportunity for an annual company bonus incentive. 

Benefits 

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth. 

Health & Wellness 

• Medical plans with multiple coverage options, including HSA eligibility. 

• Prescription drug coverage. 

• Dental and vision benefits. 

• Employee Assistance Program (confidential support services). 
   

Financial Protection & Insurance 

• Company-paid basic life insurance. 

• Optional supplemental life insurance and dependent coverage. 

• Short-term and long-term disability coverage. 

• Critical illness, accident, and pet insurance options. 
   

Retirement & Savings 

• 401(k) plan to support long-term financial goals. 

• 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. 

• Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. 

• Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.  

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options. 
   

Time Off & Leave 

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.

• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month. 

• Paid Holidays:  

• Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. 

• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules. ​Paid leave programs, including parental, bereavement, jury duty, and military leave. 

Career Growth & Education 

• Tuition assistance (up to $5,250 annually; 80% covered by ACG). 

• Professional certification support with 100% reimbursement for eligible programs. 

• Opportunities for career development and advancement. 
   

Additional Perks 

• Complimentary AAA membership with roadside assistance and travel discounts. 

• Adoption assistance program. 

Job Posting Period:  

This position is expected to remain posted through September 30, 2026, however, it may close at any time once a qualified candidate pool is identified.