Claim Specialist - Michigan PIP

Location: Hybrid in Michigan, United States; Monday-Friday, 8am-5pm ET. Day-to-day operations may be performed remotely from a home office, with occasional travel for meetings, collaboration, team-building activities, inspections, or other assigned duties.

Annual salary: $67,371.20-$104,811.20, plus potential annual bonus incentive.

Company

hirify.global provides membership, travel, insurance, and financial services to members and customers across the United States through AAA, Meemic, and Fremont brands.

What you will do

• Review assigned claims, initiate claim handling activities, gather information, set expectations, and maintain accurate claim records.
• Analyze coverage, policy benefits, claim validity, damages, limits, exclusions, recovery opportunities, and applicable state laws.
• Handle intermediate to complex Michigan Personal Injury Protection claims, including fractures, mild closed head injuries, surgical procedures, and attendant care claims.
• Manage Michigan Catastrophic Claims Association matters, attorney-represented claims, sub-claims, and losses extending beyond standard PIP scenarios.
• Evaluate losses, authorize appropriate payments, negotiate settlements, and establish clear resolution plans.
• Collaborate with insureds, claimants, attorneys, physician offices, medical providers, insurance carriers, and internal departments.

Requirements

• Three years of experience or equivalent training in claim settlement negotiation, evidence evaluation, estimating, subrogation, coverage resolution, taking statements, and claim planning.
• Advanced knowledge of Michigan insurance regulations, Essential Insurance Act, Fair Trade Practices Act, No-Fault Law, negligence law, MCCA matters, and attorney-represented claims.
• Knowledge of medical terminology and human anatomy, subrogation procedures, intercompany arbitration, and simple litigation.
• Completion of the ACG Claim Representative Training Program or equivalent knowledge or experience.
• Eligibility to acquire a required state adjuster’s license within 90 days of hire and maintain it as specified.
• A valid driver’s license is required when duties involve in-person inspections or frequent in-person meetings; ability to travel outside the assigned territory and occasionally work evenings or weekends.

Nice to have

• Bachelor’s degree or equivalent in Business Administration, Human Resources Management, or a related field.
• Associate degree in Business Administration, Insurance, or a related field.
• Insurance Institute of America General Insurance Program, Associate in Claims, Associate in Management, CPCU coursework, or designation.

Culture & Benefits

• Medical, prescription, dental, vision, HSA, FSA, life insurance, disability, and employee assistance benefits.
• 401(k) plan with company matching and additional company contributions.
• Paid time off, company holidays, mental health, floating, volunteer, parental, bereavement, jury duty, and military leave.
• Tuition assistance of up to $5,250 annually and professional certification support with full reimbursement for eligible programs.
• AAA membership with roadside assistance and travel discounts, plus adoption assistance.