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Claims Representative Jobs in Michigan (NOW HIRING)

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$10

$21

$36

How much do claims representative jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for claims representative in Michigan is $21.03, according to ZipRecruiter salary data. Most workers in this role earn between $15.91 and $23.89 per hour, depending on experience, location, and employer.

What is a claims representative?

Claims representatives typically work for insurance companies. They investigate claims made by policyholders to corroborate the accuracy of the filing and determine payouts and reimbursements. As a claims representative, you interview customers and process all paperwork related to the claims. Claims representatives work in all types of insurance industries, including life, property, auto, and workers compensation.

What does a claims representative do?

A Claims Representative is responsible for managing insurance claims from start to finish. They review claim applications, investigate the circumstances of each claim, communicate with policyholders and witnesses, and determine the validity and amount of each claim. Their goal is to ensure fair and timely settlements in accordance with policy terms and regulations. They often work for insurance companies, government agencies, or third-party administrators.

What are the key skills and qualifications needed to thrive as a claims representative?

To thrive as a Claims Representative, you need strong analytical skills, attention to detail, and a background in insurance or a related field, often supported by a high school diploma or higher education. Familiarity with claims management software, customer relationship management (CRM) systems, and sometimes industry certifications like AIC (Associate in Claims) are typically required. Excellent communication, empathy, and problem-solving abilities help a Claims Representative provide effective customer service and resolve disputes. These skills ensure accurate claim processing, customer satisfaction, and compliance with industry standards.

How do claims representatives typically handle challenging or complex claims cases?

Claims Representatives often encounter cases that require thorough investigation and careful judgment. When handling complex claims, they collaborate closely with policyholders, adjusters, legal teams, and sometimes external experts to gather all necessary information and documentation. Clear communication, strong organizational skills, and attention to detail are essential for ensuring claims are processed accurately and fairly. Many companies also provide ongoing training and mentorship to help Claims Representatives navigate difficult cases and stay updated on industry regulations.

What is the difference between Claims Representative vs Claims Adjuster?

AspectClaims RepresentativeClaims Adjuster
CredentialsHigh school diploma or equivalent; some roles may require insurance licensesHigh school diploma; often requires state licensing or certifications
Work EnvironmentOffice settings, customer service interactions, claims processingField work, inspecting damages, interviewing claimants and witnesses
Industry UsageInsurance companies, government agenciesInsurance companies, third-party administrators
Common Search/ComparisonClaims Representative vs Claims Adjuster

Claims Representatives primarily handle customer interactions and process claims within an office environment, focusing on policy details and customer service. Claims Adjusters often conduct field inspections, assess damages, and determine claim payouts. While both roles require insurance knowledge and sometimes licensing, Claims Adjusters typically perform more investigative work, whereas Claims Representatives focus on customer communication and claim processing.

Do you need a degree to be a claims representative?

A claims representative typically does not need a college degree, but employers often prefer candidates with a high school diploma or equivalent. Relevant skills such as communication, attention to detail, and knowledge of insurance policies are important, and some roles may require industry certifications or training programs.

Is insurance claims a stressful job?

Claims representatives often handle complex cases and work under deadlines, which can lead to stress. The job requires strong communication skills and attention to detail, and workload fluctuations may also contribute to stress levels.
More about Claims Representative jobs

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

The most popular types of Claims Representative jobs in Michigan are:

What are popular job titles related to Claims Representative jobs in Michigan?

For Claims Representative jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Claims Representative jobs in Michigan look for?

The top searched job categories for Claims Representative jobs in Michigan are:

What cities in Michigan are hiring for Claims Representative jobs?

Cities in Michigan with the most Claims Representative job openings:

What are popular job titles related to Claims Representative jobs in MI?

For Claims Representative jobs in MI, the most frequently searched job titles are:

Claims Representative jobs near you
Infographic showing various Claims Representative job openings in Michigan as of August 2026, with employment types broken down into 78% Full Time, 20% Part Time, and 2% Contract. Highlights an 64% Physical, 1% Hybrid, and 35% Remote job distribution, with an average salary of $43,736 per year, or $21 per hour.

Field Claims Representative

Auto Owners Insurance Company

Muskegon, MI

Full-time

Retirement, PTO

Re-posted 18 days ago

Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

23rd of 315 rated insurance

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated and experienced field claims professional to join our team. This job handles insurance claims in the field under general supervision through the life-cycle of a claim including but not limited to: investigation, evaluation, and claim resolution. This job provides service to agents, insureds, and others to ensure claims resolve accurately and timely. This job requires mastery of claims-handling skills and requires the person to:

  • Investigate and assemble facts, determine policy coverage, evaluate the amount of loss, analyze legal liability
  • Handle multi-line property and casualty claims in an assigned territory with an emphasis on property claims
  • Become familiar with insurance coverage by studying insurance policies, endorsements and forms
  • Work toward the resolution of claims, and attend arbitrations, mediations, depositions, or trials as necessary
  • Ensure that claims payments are issued in a timely and accurate manner
  • Handle investigations by phone, mail and on-site investigations

Desired Skills & Experience

  • Bachelor's degree or direct equivalent experience handling property and casualty claims
  • A minimum of 3 years handling multi-line property and casualty claims with an emphasis on property claims
  • Field claims handling experience is preferred but not required
  • Knowledge of Xactimate software is preferred but not required
  • Above average communication skills (written and verbal)
  • Ability to resolve complex issues
  • Organize and interpret data
  • Ability to handle multiple assignments
  • Ability to effectively deal with a diverse group individuals
  • Ability to accurately deal with mathematical problems, including, geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents)
  • Ability to drive an automobile, possess a valid driver license, and maintain a driving record consistent with the Company's underwriting guidelines for coverage

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

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