Auto Liability Specialist II

First Acceptance•Memphis, TN

About The Position

The Auto Liability Specialist II investigates, evaluates, negotiates, disposes of, and settles auto liability claims to determine coverage and legal liability and resolve damages. Claims may include single- or multiple-vehicle losses, uninsured or underinsured property-damage motorist claims, and complex coverage issues. The role requires direct involvement in property-damage claim handling with minimal supervision, strong evaluation and judgment, and the ability to identify potential exposures and set appropriate expense and indemnity reserves. Protecting insureds and the company’s financial exposures is critical. The position reports into Tampa, Florida, or Nashville, Tennessee, with the potential to work remotely full time.

Requirements

Must have or obtain and maintain appropriate state adjuster license(s) and continuing education credits.
At least two years of property claims handling experience.
High school diploma or equivalent.
Strong customer-service skills and behaviors.
Ability to make informed, confident, and timely decisions.
Strong organizational and time-management skills.
Ability to negotiate skillfully in difficult situations with internal and external groups.
Strong written and verbal communication skills and ability to promote and facilitate open communication.
Critical-thinking skills, including the ability to anticipate, recognize, and identify problems and develop solutions promptly.
Ability to adapt to changing situations, requirements, and priorities.
Ability to foster teamwork and collaboration.
Ability to satisfactorily perform the essential duties, with reasonable accommodations where applicable.

Nice To Haves

College degree or equivalent experience.

Responsibilities

Plan and conduct investigations, including interviewing involved parties, collecting and evaluating documentation, securing evidence and protecting its chain of custody, determining inspection needs, ordering police reports, conducting scene investigations, taking witness statements, and reviewing material-damage photos.
Analyze coverage, liability, compensability, and the extent of damages.
Handle property-damage claims involving attorney-represented and non-represented parties, including first- and third-party claimants.
Review and interpret auto policy provisions to resolve complex coverage investigations.
Follow procedures for inspecting and evaluating property-damage claims and recommend claim dispositions that exceed individual settlement authority when appropriate.
Evaluate policy coverage and contact insureds, claimants, attorneys, and body shops while establishing reserve requirements.
Compile information for decision-making and discuss claims with the claims committee where appropriate.
Respond timely and appropriately to settlement demands.
Keep internal and external customers informed of file status and other matters as required.
Evaluate claims for potential fraud and work with the Special Investigations Unit as required.
Assess actual damages and negotiate claim settlements.
Determine whether subrogation exists and take necessary steps to initiate recovery efforts.
Perform other duties as assigned.