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Auto Subrogation Jobs in Minnesota (NOW HIRING)

CSAA

Handles complex 1st and 3rd party auto liability cases involving injury, including complexity ... Evaluating potential for subrogation and initiating initial notice of subrogation request. * Making ...

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Auto Subrogation information

What is auto subrogation?

Auto subrogation is a process used by insurance companies to recover costs they have paid out on a claim from the party responsible for the loss. For example, if you are in a car accident and your insurer pays for your damages, your insurer may then pursue the at-fault driver's insurance to recoup those costs. This helps keep your insurance premiums lower since your insurer is able to recover their payout. Subrogation can also affect your deductible; if your insurer is successful, you may get your deductible reimbursed. The process is typically handled behind the scenes by your insurance company.

What is the difference between Auto Subrogation vs Auto Claims Adjuster?

AspectAuto SubrogationAuto Claims Adjuster
Primary RoleRecovering costs from third parties after an insurance payoutAssessing and settling auto insurance claims
Required CredentialsInsurance knowledge, claims processing experienceInsurance licensing, claims handling certification
Work EnvironmentInsurance companies, legal settingsInsurance companies, repair shops, field work
Industry UsageLegal and claims recovery processesClaims evaluation and customer service

Auto Subrogation focuses on recovering costs from third parties after claims are paid, while Auto Claims Adjusters evaluate and settle claims directly with policyholders. Both roles require insurance knowledge and often work within the same industry, but their core functions differ significantly.

What are the key skills and qualifications needed to thrive as an Auto Subrogation Specialist, and why are they important?

To thrive as an Auto Subrogation Specialist, you need a strong understanding of insurance claims, investigative techniques, and knowledge of legal liability, usually backed by experience in insurance or a related field. Familiarity with claims management software, Microsoft Office Suite, and sometimes industry certifications like Associate in Claims (AIC) are commonly required. Attention to detail, negotiation skills, and effective communication are vital soft skills that help in recovering funds and resolving disputes. These abilities ensure accurate claim handling, successful recoveries, and positive client relationships in a complex, detail-oriented field.

What are some of the most common challenges faced by professionals in auto subrogation roles, and how can they be managed?

Auto subrogation professionals often encounter challenges such as gathering accurate information from multiple parties, navigating complex insurance policies, and negotiating settlements with other insurers or at-fault parties. Effective communication and attention to detail are essential to ensure all documentation is complete and deadlines are met. Building strong relationships with adjusters, legal teams, and external partners helps streamline the recovery process and overcome obstacles. Staying organized and continuously updating knowledge of industry regulations can also alleviate common difficulties in this role.
What are popular job titles related to Auto Subrogation jobs in Minnesota? For Auto Subrogation jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Auto Subrogation jobs in Minnesota look for? The top searched job categories for Auto Subrogation jobs in Minnesota are:
What cities in Minnesota are hiring for Auto Subrogation jobs? Cities in Minnesota with the most Auto Subrogation job openings:
Auto Subrogation jobs near you
Field Auto Physical Damage Appraiser - NW Twin Cities Minnesota

Field Auto Physical Damage Appraiser - NW Twin Cities Minnesota

AAA Auto Club Group

Saint Paul, MN

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 23 days ago

AAA The Auto Club Group rating

7.4

Company rating: 7.4 out of 10

Based on 281 frontline employees who took The Breakroom Quiz

210th of 281 rated insurance

Job description

Job Type:

Full time

Exempt/Non Exempt:

Salary

Job Description:


Location Details: Northwest Twin Cities Minnesota TerritoryPosition Schedule / Shift: Monday-Friday 8am-5pm ETPosition Summary: A highly skilled Field Auto Appraiser responsible for inspecting, evaluating, and determining repair or total loss values for complex vehicle damage claims in the field. Operates with minimal supervision and is entrusted with a high degree of independent authority to resolve technically challenging and high-severity claims. Demonstrates advanced expertise in vehicle construction, damage analysis, repair methodologies, and estimating systems. Acts as a subject matter expert, making sound, timely decisions while ensuring accuracy, compliance, and cost efficiency. Effectively negotiates with repair facilities, customers, and vendors, and provides guidance on complex technical issues, policy interpretation, and claim resolution strategies.Key Responsibilities: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 process
  • Initiating documentation in the claim handling system
  • Complete complex coverage analysis
  • Ensure all possible policyholder benefits are identified
  • Create additional sub-claims if needed
  • 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.
  • Refer claims 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.
  • Utilize strong negotiating skills.
Employees assigned to Auto Physical Damage ("APD") claim unit will handle complex claims involving settling Total Losses, inspecting vehicles and preparing estimates of damage. If in the DRS Examiner role, manage Direct Repair Shops for compliance with our program. Additional responsibilities may include the following: determining cause of damage, establishing liability, and identifying subrogation potential. Monitor repairs and approve car rental expenses. Oversee APD Litigation cases. Manage the litigation process including attorney and budget management, participation in mediation activities and determining the appropriate settlement position. May assist Claim Manager with file reviews and training.Qualifications:Required Education (including minimum education and any licensing/certifications):
  • High school diploma or equivalent
  • 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 state
  • Must have a valid State Driver's License
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
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 insured/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
  • 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
  • relocate, work evenings or weekends
PreferredEducation:
  • 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 ProLevel training
  • CCC training
  • XACT ware Training
Experience: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
  • collision repair techniques
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.).CompensationA Talent Acquisition Specialist II earns a competitive annual salary of $78,000-$85,000, along with the opportunity for an annual company bonus incentive.BenefitsAt 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 will vary by business schedules
    • Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays will 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 July 31st; however, it may close at any time once a qualified candidate pool is identified.#LI-AH2

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 www.aaa.com

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.

What AAA The Auto Club Group employees say

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American Automobile Association logo

About American Automobile Association

Sourced by ZipRecruiter

The American Automobile Association (AAA), headquartered in Heathrow, Florida, USA, is a reputable force in the automotive and insurance industry. Originating in 1902, it began as a coalition of motor clubs with the common goal of providing better roads and travel conditions for motorists. Today, AAA is a comprehensive, multifaceted organization that offers a range of services, including roadside assistance, auto repair services, travel agency services, and diverse insurance products - Auto, Home, Life and more. A significant principle for AAA is to continuously deliver value to their 61 million members through safety, security and peace of mind. The company's mission and core values focus on championing its members' rights and interests, advocating innovation, integrity, teamwork and respect.

Industry

Non-profits

Company size

10,000+ Employees

Headquarters location

Heathrow, FL, US

Year founded

1902

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