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
Job Tags
Casual work, Work at office, Remote work,