Auto Liability Specialist II

First Acceptance Corporation; Richmond (VA); Remote; USD 65,000 - 90,000; Full time

Job summary

First Acceptance Corporation is seeking an Auto Liability Specialist II to investigate, evaluate, negotiate, and settle auto liability claims. Work location includes Tampa, FL or Nashville, TN with potential for remote full-time work.

Responsibilities involve complex coverage issues, liability determination, and protecting company exposures. The role requires strong investigative skills, effective negotiation, and adherence to procedures for property damage claims, with required licensing and

Qualifications

• Ability to conduct thorough investigations and evidence collection.
• Strong negotiation skills to settle claims.
• Proficiency in interpreting auto policy provisions.
• Excellent written and verbal communication abilities.
• Good organizational skills and time management.
• Ability to work with multiple stakeholders and teams.

Responsibilities

• Plan and conduct investigations to analyze coverage and liability.
• Handle property damage claims including attorney-represented parties.
• Review policy provisions to resolve complex coverage issues.
• Assess reserve requirements and disposition of claims within authority.
• Engage with insureds, claimants, and attorneys to negotiate settlements.
• Identify potential subrogation opportunities and recovery steps.
• Keep stakeholders informed of file status and developments.
• Collaborate with SIU on fraud indicators and investigations.
• Perform other duties as assigned.

Skills

Investigations

Negotiation

Policy interpretation

Communication

Time management

Teamwork

Education

High School Diploma

State Adjuster License

Job description

This Auto Liability Specialist II position reports into either Tampa, FL or Nashville, TN, with the potential to work remotely full time. As an Auto Liability Specialist II, you will be responsible for the investigation, evaluation, negotiation, disposition, and settlement of Auto Liability claims to determine coverage and legal liability and resolve damages. Assigned claims may involve Single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, and complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision. Exceptional evaluation and judgment skills are required to develop all potential exposures in the file and to properly set expense and indemnity reserves. Protecting our Insured and the Company’s financial exposures is critical.

Essential Job Functions

• Plan and conduct investigations (including but not limited to interviewing parties involved, collecting and evaluating documentation and securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, reviewing material damage photos, etc.) to analyze coverage, determine liability, compensability, and extent of damages
• Assume responsibility for property damage claims, including attorney-represented and non-represented parties, for both first- and third-party claimants
• Demonstrates high investigation, analysis, evaluation, and negotiation skills. This includes accurately reviewing and interpreting auto policy provisions to resolve complex coverage investigations appropriately.
• Adherence to proper procedures related to the inspection and evaluation of property damage claims and the ability to make recommendations for the disposition of claims beyond an individual’s settlement authority
• Evaluate policy coverage contact insureds, claimants, attorneys, and body shops while determining and establishing reserve requirements
• Compile information for decision-making with a discussion of the claims committee where appropriate
• Respond timely and appropriately to all settlement demands
• Keep internal and external customers advised of file status and other matters, as required
• Evaluate claims for potential fraud and work with Special Investigations Unit, as required
• Assess actual damages associated with claims and conduct negotiations to settle claims
• Determine if subrogation exists and take steps necessary to initiate recovery efforts
• Performs other duties as assigned

Desired Qualifications

• Possesses strong customer service skills and behaviors
• Makes decisions in an informed, confident, and timely manner
• Possesses strong organizational and time management skills
• Ability to negotiate skillfully in difficult situations with both internal and external groups
• Demonstrates strong written and verbal communication skills, promotes and facilitates free and open communication
• Thinks critically and anticipates, recognizes, identifies, and develops solutions to problems promptly
• Easily adapts to new or different changing situations, requirements, or priorities
• Cultivates an environment of teamwork and collaboration
• Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits
• Minimum of two (2) years of property claims handling experience
• High school diploma or equivalent
• College Degree preferred or equivalent experience

PHYSICAL DEMANDS:

The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

While performing the duties of this job, the employee is regularly required to do manual tasks, which may include using hands to finger and handling controls. Tasks may also require the ability to talk or hear. The employee will frequently sit, bend, and reach with hands and arms and is occasionally required to stand and walk. The employee must frequently lift and/or move up to ten pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Other abilities include breathing, protecting oneself, and possessing the capacity to learn, concentrate, think, and read. Oftentimes, the employee communicates and interacts with others while working.

To perform this job successfully, an individual must be able to satisfactorily perform each essential duty. The requirements listed represent the required knowledge, skill, and/or ability. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-related instructions and perform any other job-related duties requested by anyone authorized to give instructions or assignments.

#LI-REMOTE

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.