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Insurance Claim Representative Jobs in Michigan (NOW HIRING)

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Insurance Claim Representative information

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How much do insurance claim representative jobs pay per hour?

As of Aug 5, 2026, the average hourly pay for insurance claim representative in Michigan is $21.41, according to ZipRecruiter salary data. Most workers in this role earn between $15.48 and $25.14 per hour, depending on experience, location, and employer.

What does an insurance claim representative do?

An Insurance Claim Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of the claim, review documentation, and determine the validity of the claim in accordance with policy terms. Their duties often include interviewing claimants and witnesses, inspecting property damage, and negotiating settlements. The goal is to ensure fair outcomes for both the insurance company and the customer, while adhering to legal and regulatory requirements.

What are the key skills and qualifications needed to thrive as an insurance claim representative, and why are they important?

To thrive as an Insurance Claim Representative, you need a strong understanding of insurance policies, claims processing, and investigation, usually supported by a relevant degree or experience in the insurance industry. Familiarity with claims management systems, documentation software, and sometimes industry certifications like AINS or CPCU is important. Excellent communication, negotiation, and problem-solving skills help in effectively resolving claims and managing customer expectations. These abilities are essential to ensure accurate claim assessments, maintain customer trust, and support the financial health of the insurance provider.

Is it hard to be an insurance claim representative?

Being an insurance claim representative involves handling complex cases, requiring strong communication, attention to detail, and knowledge of insurance policies. The job can be demanding due to the need to evaluate claims accurately and manage customer interactions, but it is generally manageable with proper training and experience.

How do insurance claim representatives typically collaborate with other departments during the claims process?

Insurance Claim Representatives frequently work closely with underwriting, legal, and field adjuster teams to ensure thorough evaluation and resolution of claims. They often consult with underwriters to clarify policy coverage, coordinate with adjusters for on-site assessments, and partner with legal teams on complex or disputed claims. This cross-functional collaboration ensures each claim is handled efficiently and accurately, providing both customers and the company with fair outcomes. Effective communication and teamwork are essential skills for success in this role.
What are popular job titles related to Insurance Claim Representative jobs in Michigan? For Insurance Claim Representative jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Insurance Claim Representative jobs in Michigan look for? The top searched job categories for Insurance Claim Representative jobs in Michigan are:
Insurance Claim Representative jobs near you
Infographic showing various Insurance Claim Representative job openings in Michigan as of July 2026, with employment types broken down into 80% Full Time, 18% Part Time, 1% Contract, and 1% Nights. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $44,531 per year, or $21.4 per hour.

Claim Representative II - Michigan

Accident Fund Holdings, Inc.

Lansing, MI • On-site

Full-time

Posted 14 days ago

Job description


SUMMARY:
Claim Representative II:
This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority. Works remotely with occasional travel to on-site visits with insured municipalities. Is a resident in the State of Michigan
RESPONSIBILITIES/TASKS:
  • Verifies coverage of claimed property and casualty damage.
  • Determines liability for covered claims by thorough investigation of the claim and applicable exclusions.
  • Analyzes liability for claims pursuant to Michigan municipal liability statutes and caselaw.
  • Establishes timely and appropriate reserves based on the profile of the claim within given authority based on anticipated financial exposure.
  • Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.
  • Manages estimates and invoices for property, casualty and automobile claims, and approves payments based on support showing relationship to the cause of loss and legal liability for payment.
  • Concludes and closes files following resolution of claims to meet internal performance standards while complying with state legislation to avoid penalties and manage expenses.
  • Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.
  • Works closely with manager on complex files or files above settlement/reserve authority.
  • Manages outside vendors to ensure cost containment efforts.
  • Establishes and maintains effective working relationships with all internal and external customers.
  • Stays abreast of changes in municipal liability statutes and case law in order to accurately interpret and apply relevant laws.

ADDITIONAL RESPONSIBILITIES/TASKS:
  • Administers complex claims and catastrophic exposures within authority, including claims from dedicated large accounts.
  • Exercises independent judgment to settle cases prior to mediation or litigation.
  • Actively participates in agent/client relationship management.
  • Assists in mentoring team members.

This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required.
EMPLOYMENT QUALIFICATIONS
EDUCATION OR EQUIVALENT EXPERIENCE:
Bachelor's degree in a related field. Relevant combination of education and experience may be considered in lieu of degree. Continuous learning, as defined by the Company's learning philosophy, is required. Certification or progress toward certification is highly preferred and encouraged.
EXPERIENCE:
Claim Representative II:
Three years experience in property and casualty claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing policy coverages and exclusions, drafting coverage letters, investigating and settling property and casualty losses, and adjusting claims through litigation and trial. Experience handling claims in multiple jurisdictions preferred. Bilingual skills preferred.
SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:
  • Ability and proficiency in the use of computers and company standard software specific to position.
  • Knowledge of medical and legal terminology related to the work.
  • Knowledge of Michigan municipal liability.
  • Knowledge of best practices for adjusting property losses.
  • Effective oral and written communication skills.
  • Effective customer service skills.
  • Ability to negotiate, build consensus and resolve conflict.
  • Ability to manage multiple priorities and meet established deadlines.
  • Attention to detail and analytical skills.
  • Ability to work independently as well as within a team.

ADDITIONAL SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:
Claim Representative II, III:
  • Ability to make independent decisions.
  • Ability to solve complex problems.

WORKING CONDITIONS:
Work is performed in an office setting with no unusual hazards. Minimal travel required.
PAY RANGE:
Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $56,700 - $94,900.
The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description.
We are an Equal Opportunity Employer. Diversity is valued and we will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract.
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