Auto Liability Specialist - PIP / Med Pay

Tower Hill Insurance Group•Alachua, FL

About The Position

Tower Hill Insurance Group is seeking an Auto Liability Specialist focused on Personal Injury Protection (PIP) and Medical Payments (Med Pay). The role handles all phases of third-party personal automobile claims and interprets insurance policies, with particular expertise in PIP and Med Pay coverages. It evaluates coverage, investigates claims, establishes settlement values, negotiates settlements, and manages claims through timely disposition. The specialist also responds to settlement demands and governmental inquiries and collaborates with colleagues as needed. The position requires a bachelor’s degree or equivalent experience, at least five years of experience handling automobile claims and/or litigation, including PIP claims, and a Florida All-Lines Adjuster’s License or an appropriate reciprocal license from another state. Property and casualty insurance designations are preferred.

Requirements

Bachelor’s degree required; equivalent experience may substitute. The posting identifies seven years of relevant experience as equivalent experience for the education requirement.
At least five years of experience handling automobile claims and/or litigation, including PIP claims.
Florida All-Lines Adjuster’s License or an appropriate reciprocating license from another state.
Ability to perform the essential duties satisfactorily; reasonable accommodations may be made for individuals with disabilities.

Nice To Haves

Property and casualty insurance industry designation, such as CPCU, AIC, or SCLA.

Responsibilities

Provide professional opinions and recommendations to management and carriers regarding complex third-party liability claims and first-party benefits.
Evaluate automobile liability coverage, including applicable limitations, and prepare coverage disclaimer letters when warranted.
Handle legal matters and claims.
Investigate automobile liability claims.
Manage and direct claims handled by outside vendors, experts, and counsel.
Establish settlement values and adjust reserves accordingly.
Conduct settlement negotiations based on claim exposure.
Analyze medical records and bills, authorize claim payments, and ensure compliance with state regulations.
Oversee timely claim disposition.
Provide information to various departments and give presentations to senior management and carriers.
Interpret automobile insurance policies and endorsements.
Respond to or coordinate responses to settlement demands, subpoenas, and governmental information requests regarding claims.
Assist other team members as needed.
Maintain an appropriate adjuster license and comply with continuing education requirements and applicable rules.