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Insurance Claims Representative Jobs in Michigan

SET SEG

Claims Representative

East Lansing, MI · On-site

Multi-Line Property and Casualty Claims Representative Reports To: Claims Manager Location: East ... As schools were faced with more challenges related to insurance, SEG evolved and grew into a ...

NJ CURE

Auto Claims Representative

Detroit, MI · On-site

$23 - $30/hr

Auto Claims Representative - First Notice of Loss CURE Auto Insurance is a leading direct writer of auto insurance in New Jersey, Pennsylvania, and Michigan. CURE offers a great working environment ...

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All JobsInsurance Claims Representative JobsInsurance Claims Representative Jobs in Michigan

Insurance Claims Representative information

See Michigan salary details

$6

$21

$34

How much do insurance claims representative jobs pay per hour?

As of Jul 19, 2026, the average hourly pay for insurance claims 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 is an insurance claims representative?

An insurance claims representative is a professional who investigates and evaluates insurance claims to determine coverage and settlement amounts. They review policy details, gather evidence, and communicate with claimants, often using claims management software, to ensure accurate and fair claim processing.

What does an Insurance Claims Representative do?

An Insurance Claims Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of each claim, determine the extent of the insurance company's liability, and help ensure that claims are processed accurately and efficiently. They may gather information from claimants, witnesses, and other parties, review documentation, and communicate decisions to customers. Their goal is to provide fair settlements while adhering to company policies and legal guidelines.

What are the key skills and qualifications needed to thrive as an Insurance Claims Representative, and why are they important?

To thrive as an Insurance Claims Representative, you need a solid understanding of insurance policies, claims processes, and investigative techniques, typically supported by a high school diploma or associate degree. Familiarity with claims management software, CRM systems, and occasionally industry certifications such as AIC (Associate in Claims) are commonly required. Strong customer service, analytical thinking, and effective communication skills help you manage claims efficiently and support clients during stressful situations. These abilities are vital for ensuring accurate claims resolution, maintaining customer satisfaction, and upholding the company's reputation.

What claims adjuster makes the most money?

Senior claims adjusters, especially those specializing in complex or high-value claims such as commercial or large-loss claims, tend to earn the highest salaries in the field. Adjusters with extensive experience, specialized certifications, and strong negotiation skills typically command higher pay. Geographic location and employer size can also influence earnings for claims adjusters.

What Does an Insurance Claims Representative Do?

An insurance claims representative assesses customer insurance claims. Your duties in this career include visiting accident sites and interviewing witnesses or customers to determine the scope of the claim. You also determine whether or not it is worth negotiating a settlement, and if so, you ensure all settlement claims are handled quickly. In addition to assessing accidents and claims, you update customer policies depending on their history. Qualifications for the career include experience and job skills. You should have excellent customer service, a firm knowledge of all company policies, and computer literacy.

How to get a job as a claims adjuster with no experience?

To become a claims adjuster with no experience, focus on obtaining relevant certifications such as the Property and Casualty (P&C) license and develop strong communication and analytical skills. Entry-level positions often require a high school diploma or equivalent, and some companies offer training programs for new hires to gain industry knowledge on the job.

What are some common challenges Insurance Claims Representatives face when handling complex claims?

Insurance Claims Representatives often encounter challenges such as managing high caseloads, interpreting intricate policy details, and handling sensitive conversations with policyholders during stressful situations. They must balance empathy with adherence to company policies and regulations, all while investigating and verifying the validity of claims. Effective communication, time management, and problem-solving skills are essential to navigate these complexities and deliver fair outcomes for both the client and the insurer.

Is claim adjusting a dying field?

Claim adjusting is a stable profession within insurance, requiring strong analytical skills and knowledge of insurance policies. While automation and digital tools are changing some processes, human adjusters remain essential for complex claims and customer interactions, ensuring the field continues to offer employment opportunities.

What is the difference between Insurance Claims Representative vs Insurance Adjuster?

AspectInsurance Claims RepresentativeInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may require licensingLicensing often required; certifications like AIC or CPCU beneficial
Work EnvironmentOffice settings, customer service interactions, claims processingFieldwork, site inspections, or office-based assessments
Employer & Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search & ComparisonOften compared for claims handling rolesMore focused on damage assessment and investigation

The main difference between an Insurance Claims Representative and an Insurance Adjuster lies in their roles. Claims Representatives primarily handle customer interactions and process claims within an office environment, while Adjusters often conduct field inspections and assess damages. Both roles require relevant licensing and are integral to the insurance industry, but they focus on different aspects of claims management.

More about Insurance Claims Representative jobs
What are popular job titles related to Insurance Claims Representative jobs in Michigan? For Insurance Claims Representative jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Insurance Claims Representative jobs in Michigan look for? The top searched job categories for Insurance Claims Representative jobs in Michigan are:
What are popular job titles related to Insurance Claims Representative jobs in MI? For Insurance Claims Representative jobs in MI, the most frequently searched job titles are:
Insurance Claims Representative jobs near you
Infographic showing various Insurance Claims Representative job openings in Michigan as of July 2026, with employment types broken down into 89% Full Time, 8% Part Time, and 3% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $44,531 per year, or $21.4 per hour.
Experienced PIP Claims Representative

Experienced PIP Claims Representative

Auto-Owners Insurance

Portage, MI • On-site

Other

Retirement, PTO

Posted 17 days ago

Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 34 frontline employees who took The Breakroom Quiz

17th of 281 rated insurance

Job description

PIP Claims Representative

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.

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated individual to join our team as an experienced PIP Claims Representative. The position requires the following but is not limited to:

  • Investigate and assemble facts, determine policy coverage, evaluate the amount of loss, and pay benefits that are owed.
  • Review medical bills, authorize payments and ensure payments are issued in a timely and accurate manner in accordance with the Michigan No Fault Statute.
  • Work toward the resolution of claims, and attend arbitrations, mediations, depositions, or trials as necessary.
  • Service the needs of agents, policyholders and others.
  • Handle investigations by phone and mail.
  • Conduct claim investigations on complex claims.

Desired Skills & Experience

  • Bachelor's degree or equivalent experience.
  • Two or more years of insurance claims handling experience, preferably in PIP claims or related experience.
  • Educational coursework in insurance are desirable.
  • Above average communication skills (written and verbal).
  • Ability to resolve complex issues.
  • Organize and interpret data.
  • Ability to handle multiple assignments with attention to detail.

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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