Auto Liability Specialist - PIP / Med Pay

Tower Hill Insurance Group LLC•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) coverages. The position requires expertise in third-party personal automobile claims and insurance policy interpretation. The specialist evaluates coverage, investigates claims, determines settlement values, negotiates settlements, and manages claims through timely disposition. The role also responds to settlement demands and governmental inquiries and collaborates with colleagues, management, carriers, vendors, experts, and counsel. The successful candidate provides professional opinions and recommendations on complex liability claims and first-party benefits, interprets automobile policies and endorsements, analyzes medical records and bills, authorizes payments, and ensures compliance with state regulations. A bachelor’s degree is required, though seven years of relevant experience may substitute. At least five years of experience handling automobile claims and/or litigation, including PIP claims, and a Florida All-Lines Adjuster’s License or appropriate reciprocal license are required. Property and casualty industry designations are preferred.

Requirements

Bachelor’s degree required; equivalent experience may substitute, including seven years of relevant experience.
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 designations, such as Chartered Property Casualty Underwriter (CPCU), Associates in Claims (AIC), or Senior Claims Law Associate (SCLA).

Responsibilities

Provide opinions and recommendations to management and carriers regarding complex third-party liability claims and first-party benefits.
Evaluate automobile liability claim coverage and coverage limitations, and prepare disclaimer letters when warranted.
Handle legal matters and claims.
Investigate automobile liability claims.
Manage and direct claims handled by outside vendors, experts, and counsel.
Determine settlement values and adjust reserves accordingly.
Negotiate settlements 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 departments and deliver 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 concerning claims.
Assist other team members as needed.
Maintain an appropriate adjuster license and comply with continuing education requirements and rules.