Auto Claims Representative
Resume:
Heather Silver
St.Louis, MO
*********@*****.***
Summary: Dedicated and focused insurance professional who excels in prioritizing, time management, organization, attention to detail, multitasking, communications, business writing, and problem-solving. I enjoy a good challenge and going above and beyond to assist both internal and external customers. Employment History:
Midwest Family Mutual- Casualty Adjuster.
October 2022- present.
Assigned to work Commercial claims from start to finish. Major focus on reserves and completing reports for every step of claim. Claim count approximately 215. Assigned auto claims with injuries; settled collision, property damage, total loss, subrogation, med pay, pip, litigation, and reinsurance. I renewed my Texas license, and reciprocals, in June 2023.
Independent Claims – Various Temporary Assignments. Dec 2019 – September 2022. I have been assigned to two separate contracts, both working as an auto liability adjuster to assist with overflow claims.
Reinsurance Associates - Claims Service Representative Mar 2018 – Dec 2019 Claims representative for Gap administration company.
• responsible for examination and adjudication of total Loss GAP benefits, including communication via phone, email and fax with consumers, lenders, and primary insurance carriers daily.
• Responsible for managing queue(s) consisting of vehicles that have been deemed a total loss.
• Review insurance evaluations/offers provided by the Insurance Company and negotiate offers as needed.
• Answer inbound Insurance calls for the department.
• Provide backup to Gap Claim Team as needed.
• Assist Insurance Supervisor with other duties/projects as requested. Work closely with coworkers to discuss and troubleshoot issues on a case-by-case basis. United Fire & Casualty - Multi-Line Commercial Field Adjuster Aug 2015 – Nov 2017
. Assigned to handle commercial property, auto, and injury claims within my designated territory in the St. Louis Metro area.
• Within authority, investigates cause and origin of claims by contacting the appropriate parties including insured, claimants, agents, attorneys, contractors, other adjusters, public personnel, etc. Checks for prior claims and identifies possibly suspicious claims.
• Inspects damaged property and determines claims-related damage. Estimates the cost of repair or replacement of damaged property. Determines and reports on subrogation potential.
• Recognizes, controls, and resolves disputes with tact and diplomacy. Notifies or directly involves the agent in the dispute resolution. Utilizes arbitration, appraisal, and alternate dispute resolution as needed. Recognizes when assistance is needed and obtains it.
• Actively manages individual claim inventory and meets cycle-time goals for closing files. Claim inventory will focus on complex and highly complex claims within my given authority level that requires on-site inspection, face-to-face contact with customers, and HRP (Homeowner Repair Program) re-inspections.
AAA Insurance - Early Response Adjuster Feb 2013 – Aug 2015
• Responsible for investigation, negotiation, and settlement of auto BI & PD.
• Made decisions with delegated authority.
• Determined policy coverage and applied to assigned claims.
• Recommended special reserves when necessary.
• Recommended and completed claims for subrogation.
• Expensive knowledge in auto repair, referring to direct repair facilities when indicated.
• Knowledge of claims systems and computer programs.
• Ability to determine liability according to state statutes.
• Lead adjuster on a pilot program to implement desk Shelter Insurance Company - Casualty Claims Adjuster Nov 2002 – May 2010
• Initiate thorough coverage and liability investigations
• Draft coverage letters as appropriate
• Evaluate and resolve moderate to severe injuries including fatal, bodily injury claims with prompt review and respond to all demands, including time limit demands
• Obtain and thoroughly analyze complex medical bills, records, and data
• Research and apply applicable laws in multiple states
• Submit timely large loss reports and referrals to home office when appropriate • Prepare for and deliver quality presentations of high exposure cases to upper claims management
• Timely reserve losses and continue to monitor reserve adequacy
• Skillfully and professionally negotiate settlements with claimants and attorneys • Adjust insurance policies for UM/UIM claims
Education
Central Missouri State University, Warrensburg, MO 1994-1997 Belmont University, Nashville, TN 2008-2010
Associates in Business Administration
University of Missouri Saint Louis, St Louis, MO 2010-2012 Bachelor of Arts in English, with an emphasis in American and British Literature December 2012.
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