Claim Specialist - Michigan PIP

Job Type:

Full time

Exempt/Non Exempt:

Salary

Job Description:

Location Details: Hybrid

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 state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Compensation

A Claim Specialist earns a competitive annual salary of $67,371.20-$104,811.20 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 sch