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Claim Director Jobs in Michigan (NOW HIRING)

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Claim Director information

See Michigan salary details

$72.8K

$110.6K

$155.1K

How much do claim director jobs pay per year?

As of Aug 20, 2026, the average yearly pay for claim director in Michigan is $110,587.00, according to ZipRecruiter salary data. Most workers in this role earn between $92,000.00 and $122,900.00 per year, depending on experience, location, and employer.

What is a claim director?

Claim Directors are senior professionals responsible for overseeing the claims department within an insurance company or organization. They manage complex or high-value claims, establish claims policies and procedures, and ensure that claims are handled efficiently and in compliance with regulations. Claim Directors also supervise claims managers and adjusters, resolve escalated disputes, and play a key role in strategic decision-making related to claims operations. Their leadership ensures the integrity and financial stability of the claims process.

What are some common challenges claim directors face in managing large or complex claims, and how are these typically addressed?

Claim Directors often encounter challenges such as coordinating multiple stakeholders, navigating complex policy language, and managing high-value or sensitive claims. Successfully addressing these issues requires strong negotiation skills, a thorough understanding of insurance regulations, and the ability to lead cross-functional teams. Regular training, leveraging technology for case management, and maintaining clear communication channels with clients and internal teams are key strategies used to overcome these challenges.

What are the key skills and qualifications needed to thrive as a claim director, and why are they important?

To thrive as a Claim Director, you need deep knowledge of insurance claims management, regulatory compliance, and strong analytical skills, typically supported by a bachelor's degree in business, finance, or a related field. Familiarity with claims management systems, industry software, and certifications such as CPCU (Chartered Property Casualty Underwriter) are commonly required. Exceptional leadership, negotiation, and interpersonal skills help in managing teams and resolving complex claims efficiently. These competencies are crucial for minimizing losses, ensuring regulatory compliance, and maintaining positive client relationships.

What is the difference between Claim Director vs Claims Manager?

AspectClaim DirectorClaims Manager
Required CredentialsBachelor's degree, industry certifications (e.g., CPCU, ARM)Bachelor's degree, industry certifications often preferred
Work EnvironmentOversees multiple teams, strategic planning, high-level decision makingManages daily claims operations, supervises claims staff
Employer & Industry UsageInsurance companies, large corporationsInsurance companies, adjusting firms
Search & Comparison IntentUnderstanding leadership roles in claimsManaging claims processes and team supervision

The Claim Director typically holds a higher strategic leadership role, overseeing multiple claims teams and focusing on policy development and overall claims performance. The Claims Manager handles daily operations, supervising claims staff and ensuring efficient claims processing. Both roles require relevant industry certifications and experience, but Claim Directors focus more on strategic oversight, while Claims Managers concentrate on operational management.

What are the most commonly searched types of Claim jobs in Michigan?

The most popular types of Claim jobs in Michigan are:

What cities in Michigan are hiring for Claim Director jobs?

Cities in Michigan with the most Claim Director job openings:

Infographic showing various Claim Director job openings in Michigan as of August 2026, with employment types broken down into 2% As Needed, 77% Full Time, 14% Part Time, 3% Temporary, 3% Contract, and 1% Nights. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $110,587 per year, or $53.2 per hour.

Michigan APD Claim Representative II - Fremont

AAA Auto Club Group

Fremont, MI • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 17 days ago


AAA The Auto Club Group rating

7.4

Company rating: 7.4 out of 10

Based on 283 frontline employees who took The Breakroom Quiz

230th of 310 rated insurance


Job description

Job Type:
Full time
Exempt/Non Exempt:
Salary
Job Description:
Location Details:
Hybrid - Fremont, Michigan
Position Schedule / Shift:
Monday-Friday 8am-5pm ET
Position Summary:
As an Auto Liability Michigan Claim Representative II, you will play a pivotal role in delivering exceptional claim outcomes while making a meaningful difference in customers' lives during challenging situations. In this dynamic and fast-paced role, you will investigate, evaluate, negotiate, and resolve automobile liability claims with confidence and expertise, ensuring compliance with Michigan insurance laws, company guidelines, and regulatory requirements. Leveraging strong analytical, problem-solving, and negotiation skills, you will assess liability, gather critical facts, and drive fair, timely claim resolutions.
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 moderately 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, identifying subrogation potential, monitoring repairs and approving car rental expense. May handle simple APD Litigation cases.
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
  • Florida State Adjuster license
  • 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:
  • Two years of experience or equivalent training in the following:
  • negotiation of claim settlements
  • securing and evaluating evidence
  • preparing manual and electronic estimates
  • subrogation claims-identifying recovery opportunities
  • resolving coverage questions
  • taking statements
  • establishing clear evaluation and resolution plans for claims

Knowledge of:
Advanced knowledge of:
  • Fair Trade Practices Act as it relates to claims
  • subrogation procedures and processes
  • intercompany arbitration
  • handling simple litigation
  • Negligence Law
  • No-Fault Law & No-Fault Reform
  • collision repair techniques

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 weekend

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
  • I-Car ProLevel training
  • CCC training
  • XACT ware Training

Work Environment:
  • This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come into an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or team-building events.

Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
A APD Claim Representative II earns a competitive annual salary of $62,000-$69,000, 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 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 August 10, 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 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.

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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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