Salvage Claim Representative I

Job Type: Full time

Exempt/Non Exempt:

Job Description:

Location Details:

Remote – ACG Footprint

Eligible candidates must live within the following states for consideration:

Colorado, Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, Wisconsin

Position Schedule / Shift:

Monday – Friday: 8:30 AM EST – 5:00 PM EST

Position Summary:

As a Salvage Claim Representative I, you will investigate and manage low complexity claims while identifying opportunities for recovery and ensuring accurate claim resolution. Working under close supervision, you will analyze coverage, evaluate damages, communicate with policyholders and involved parties, and document claim activity throughout the claim lifecycle. This role is ideal for detail-oriented professionals who enjoy problem-solving, customer interaction, and contributing to positive claim outcomes.

Key Responsibilities:

• Reviewing assigned claims
• Contact 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
• Identify liable parties and determine insurance status
• Refer files to collection agencies including preparing associated proofs
• Answering inquiry calls and gathering additional proofs or completing investigations when necessary
• Obtain information from claim-related systems
• Working with collection vendors to approve requests to file suit
• Complete the receipt and file closure process ensuring that funds are returned and accounted for appropriately
• Reimburse deductibles and prepare mini tort proofs when applicable
• Employees assigned to the Recovery unit will complete simple recovery tasks on claims, such as auto collision, home or PIP/med pay assignments associated with the collection process. The tasks may not cover the entire lifecycle of a claim but will be an expansion of those aspects related to the financial recovery of funds previously paid on a claim from liable parties or other insurance carriers.

Qualifications:

Required

Education:

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience
• 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.
• Must attain all required State Adjuster licenses for applicable states within 60 days after completing licensing coursework

Experience:

• Negotiating claim settlements

• Securing and evaluating evidence

• Preparing manual and electronic estimates

• Subrogation claims

Knowledge and Skills:

Basic knowledge of:

• Essential Insurance Act (Michigan)
• Fair Trade Practices Act as it relates to claims
• Subrogation procedures and processes
• Intercompany arbitration

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

• Travel outside of assigned territory which may involve overnight stay

• Relocate, work evenings or weekends

Preferred

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
• CCC training

Experience:

Six months of experience with:

• Negotiating claim settlements
• Securing and evaluating evidence
• Preparing manual and electronic estimates
• Effective communication skills both oral and written
• Call center or queue calling experience

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 Salvage Claim Representative I earns a competitive hourly salary of $24.00 - $28.00, 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 October 31, 2026; however, it may close at any time once a qualified candidate pool is identified.

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit

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 principal 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 fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity 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.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.