Automobile Insurance Claim Director - Legal

Job Description

Job Description

Automobile Insurance Claim Director – Legal

Location: Mount Prospect, IL (Hybrid: 3 days in-office / 2 remote)

Salary: $160,000 – $200,000 annually (commensurate with experience)

American Freedom Insurance Company (AFIC) , an A+ (Superior) rated, growing non-standard auto insurer, is seeking a highly experienced insurance professional to join our in-house Legal Defense Department. This senior-level role is critical to our litigation processing/oversight, excess loss mitigation, and high-exposure claims strategy.

You will work closely with legal counsel, adjusters, and executives to manage risk, improve outcomes, and ensure consistent, compliant handling of complex legal matters—without requiring a law license.

Your Responsibilities

• Hands on responsibility for oversight and strategic direction on a variety of claims including complex losses with potential excess exposure.
• Conduct in-depth file reviews in a high-volume environment and provide recommendations on and negotiate coverage strategy, legal positioning, and liability exposure.
• Maintain a diary on concerning loss files.
• Effectively and efficiently negotiate and settle legal claims as favorably as possible.
• Assist in developing internal protocols to identify, monitor, and mitigate high-dollar losses, including time-limited demands and bad faith triggers.
• Collaborate with internal departments (Claims, Underwriting, Executive) to ensure litigation strategies align with business objectives.
• Act as the primary liaison with outside defense counsel, providing settlement authority, ensuring alignment with AFIC goals and cost-effective litigation management.
• Mentor and guide junior staff on legal process awareness, best practices, and litigation oversight.
• Monitor emerging legal trends and recommend adjustments to internal strategies accordingly.

Qualifications

• Bachelor’s degree required; advanced degree a plus.
• Minimum 7 years of experience in insurance claims, legal operations, litigation management, or risk analysis—preferably in auto lines.
• Deep understanding of claims process, litigation timelines, policy interpretation, and excess/bad faith exposure.
• Proven good judgment in managing and negotiating high-severity claims and direct outside legal counsel.
• Strong written and verbal communication skills with the ability to present legal and strategic recommendations to non-legal stakeholders.
• Highly organized, detail-oriented, efficient and adept at managing numerous high-priority matters.

Why AFIC?

Compensation & Benefits

• Competitive base salary
• 401(k) with up to 6% company match

Health & Wellness

• Blue Cross Blue Shield medical (PPO, HMO, HSA)
• Dental, vision, and telemedicine
• Life & disability insurance

Growth & Stability

• Over a decade of consistent profitability
• A+ rating by A.M. Best
• Expanding operations in 5+ states

Work-Life Balance

• Hybrid schedule (3 in-office, 2 remote)
• PTO and paid holidays
• Regular 8 AM – 5 PM hours

Professional Development

• Ongoing training, leadership development, and advancement pathways

Company Culture

• Friendly, high-integrity work environment
• Business casual dress
• Company-paid lunches, team events, and employee recognition programs

Ready to Make an Impact?

Join a collaborative team where your experience in high-stakes claims and litigation oversight helps drive results and protect the company from major financial risk.

Apply now and become a leader in shaping legal strategy—without the law degree.

Learn more at

American Freedom Insurance Company (AFIC) is a midsized, profitable, and expanding nonstandard automobile insurance company doing business in Illinois, Indiana, Pennsylvania, Tennessee and Texas. We are looking for highly motivated, driven, and dedicated individuals to contribute in a fast paced, expanding organization.

Company Description

American Freedom Insurance Company (AFIC) is a midsized, profitable, and expanding nonstandard automobile insurance company doing business in Illinois, Indiana, Pennsylvania, Tennessee and Texas. We are looking for highly motivated, driven, and dedicated individuals to contribute in a fast paced, expanding organization.