Insurance Customer Service

Luis Alfredo Zarate

**** ***** **. ***. *** Fort Worth, Texas 76155, 956-***-**** cell, **********@*****.***

Personal Profile

I am an enthusiastic and professional individual, who enjoys being part of, as well as leading, a successful and productive team. I am quick to grasp ideas and concepts, and to develop innovative and creative solutions to problems. I can work well on my own initiative and can demonstrate elevated levels of motivation required to meet deadlines. Even under significant pressure, I possess a strong ability to perform effectively.

My area of study was in Purchasing & Supply Mgmt., Quality Management and Production Management. These areas interested me because I am a “hands-on” type of person that likes to physically see how things are progressing.

Education

University of Texas Pan American-Edinburg, Texas

Bachelor of Business Administration in Management, Graduated May 2010

Experience

Complex Bodily Injury Adjuster for ACCC Insurance

Feb. 2018 to Present

Non Standard Insurance

Same duties/responsibilities while deployed for State Farm

Inside Property Examiner for Security First Insurance (Hurricane Irma)

FKS Insurance Services

Sept. 2017 to Jan. 2018

Review all first notices of loss assigned for Fast Track handling

Approve Fast Track handling, or re-assign for field services as necessary

Provide oversight for the CAs in accordance with SF Claim Guidelines

Perform quality control reviews of closed claims

Assist with coverage determination decisions and coverage letter approvals

Report any inconsistencies noted for any claim connected to the property or damage reported

Review Claim Administrators coverage decisions and provide guidance or approval in collaboration with Senior Claim Examiners

Communicate directly with policyholders who have escalated questions or concerns from the Claim Administrator level

Reconciliation of estimates from Contractors/PA’s

Complex Bodily Injury Adjuster for State Farm Insurance (Independent Adjuster)

E.A. Renfroe & Company, Inc.

July 2015 to Aug. 2017

Standard Insurance

Investigated, negotiated, litigated, and settled minor and complex Bodily Injury Claims for unrepresented and represented parties across multiple states.

Reviewed policy coverage, determined liability, contact insureds, claimants, attorneys, body shops and medical providers to determine injuries related and treatment reasonable and necessary. Monitor reserves. Strong organizational and computer skills.

Determined extent of vehicle damages, reviewed estimates, rental invoices and issued payments for first and third party vehicle damage claims. Quickly built rapport to successfully complete settlements.

Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims. Records and updates status notes, and documents results of contacts, relevant medical reports and duration information per file posting standards.

Determine need for cause and origin experts, independent medical examiners, economists, accident re-constructionists, and engineers.

Evaluate claim for potential fraud. Refer to SIU when appropriate.

Demonstrated excellent organization, customer service, analytical, and problem-solving skills.

Trained and supervised new adjusters. Served as team lead on special projects.

Auto Liability Adjuster for Loya Insurance Group

June 2014 to July 2015

Non Standard Insurance

Investigate coverage and liability

Handled property damage estimates, vehicle rentals

1ST & 3RD Party non-complex bodily injury (reserves of up to $60K)

Office Manager for Palacios Law Firm

April 2010 to June 2014

Negotiated with insurance companies on Personal Injury cases and obtained more than $2,300,000 settlement award for clients.

Prepared legal documents (Wills, Briefs, Writs)

Prepped clients for depositions

Seafood CSR for H-E-B Grocery

July 2006 to July 2011

Help improve the customer’s overall shopping experience

3-member team that exceed $1,000,000 in sales 2 years consecutively (2010-2011)

Inventory Management/merchandising product experience

P&C license(s) and certificate(s)

Texas P&C (resident state) #1999670 - expires 01/01/2020

Florida P&C # W435749; Appointed - expires 01/01/2020

Indiana P&C #3193794 - expires 01/31/2019

Alabama P&C #0772620 - expires 01/31/2019

Georgia P&C #3105411 - expires 01/31/2019

Oklahoma P&C #100273441 - expires 01/31/2019

Michigan P&C #0785331 - 01/01/2020

State Farm Auto certified

State Farm Fire certified (property)

TWIA/TFPA certified

Tower Hill certified

Citizens of LA certified

NFIP certified

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