Claim Specialist – Michigan PIP

Job Type: Full time   Exempt/Non Exempt: Salary Job Description: Job Description Location Details: Remote  Position Schedule / Shift: Monday-Friday 8am-5pm ET  Position Summary:    As a Claim Specialist, you will evaluate coverage, assess claim exposures, and make informed decisions that drive fair and timely resolutions. Working closely with members, medical providers, attorneys, and internal partners under minimal supervision, you'll manage challenging and complex claim scenarios while ensuring compliance with applicable regulations and company standards. The ideal candidate will have experience interpreting and applying Michigan No-Fault reform regulations to support accurate claim handling and benefit determinations. This role is ideal for a detail-oriented professional who thrives on problem-solving, sound judgment, and delivering positive outcomes for members.  Key Responsibilities:   Review assigned claims and initiate claim handling activities.  Contact insureds and other affected parties to gather information and set expectations for the claims process.  Document claim activity and maintain accurate records within the claims management system.  Perform complex coverage analysis and identify all applicable policyholder benefits.  Establish and manage sub-claims as needed.  Conduct thorough investigations to determine coverage applicability, claim validity, policy limits, exclusions, and recovery opportunities.  Analyze claim facts, damages, state laws, and other relevant factors impacting claim decisions.  Evaluate the financial value of losses and authorize appropriate claim payments.  Negotiate settlements and claim resolutions using strong negotiation skills.  Refer claims to specialized departments when necessary, including Underwriting, Recovery Units, and the Claims Special Investigation Unit (SIU).  Ensure complete and accurate claim documentation, coding, closure activities, and compliance with company procedures.  Handle intermediate to complex Michigan Personal Injury Protection (PIP) claims, including:   Fractures  Mild closed head injuries  Surgical procedures  Attendant care claims  Manage claims involving the Michigan Catastrophic Claims Association (MCCA).  Handle attorney-represented claims and effectively navigate legal involvement throughout the claim process.  Investigate and manage losses that may extend beyond standard PIP claim scenarios.  Collaborate with insureds, physician offices, medical providers, and insurance carriers to obtain necessary documentation and information.  Review medical and claim-related information to make accurate coverage and payment determinations.  Maintain compliance with applicable state regulations, company policies, and claim handling standards.  Qualifications:   Required    Education (including minimum education and any licensing/certifications):   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  A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members  Experience:   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  Knowledge of:   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  medical terminology and human anatomy  MCCA and attorney represented claims  Skills:   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  Work evenings or weekends  Preferred   Education:   Bachelor’s degree or equivalent in Business Administration, Human Resources Management, or related field  Experience:   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  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 sta