Property Damage Auto Claims
Resume:
Nicole Bratcher
San Antonio, TX *****
********@*****.***
I am an energetic and eager person seeking willful employment to expand my skill set and move forward in my career.
Authorized to work in the US for any employer
Work Experience
Auto Claims Adjuster
Allcat Claims Service, LLC - San Antonio, TX
February 2022 to February 2024
• Investigates and determines coverage and liability, evaluates, negotiates, and settles highly complex auto claims such as comprehensive (i.e., theft and fire), collision (i.e., minimal policy limits, coverage determinations/issues, attorney representation, non-owned vehicles, mechanical breakdown, property damage lawsuits) property damage liability, uninsured motorist property damage, and rental vehicle coverages for repairable vehicles and total losses.Negotiates liability for comparative negligence
(claimant or adverse carrier). Investigates and determines coverage and liability, evaluates, negotiates, and settles highly complex auto claims such as comprehensive (i.e., theft and fire), collision (i.e., minimal policy limits, coverage determinations/issues, attorney representation, non-owned vehicles, mechanical breakdown, property damage lawsuits) property damage liability, uninsured motorist property damage, and rental vehicle coverages for repairable vehicles and total losses. adverse carrier). Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit
(SIU) referrals, when appropriate. Interacts with multiple parties to gather information (police reports, recorded statements, witness statements) determine liability. Analyzes information obtained to establish compliance for regulatory requirements and settlement value. Evaluates and negotiates settlement of automobile first and third-party physical damage claims within established settlement authority limits and negotiates any excessive storage charges. Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload. Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions. Collaborates and sets expectations with external and internal business partners to facilitate claims resolution. Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service. Applies proficient knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures. Willing to serve as an informal resource for team members. Applies knowledge of Auto Physical Damage to adjust claims (files with a TL, PD limits issue, PD Lawsuit, or UMPD). Willing to support workload surges and catastrophe (CAT) response operations as needed. Ensures risks associated with business activities are effectively identified measured, monitored, and controlled in accordance with risk and compliance policies and procedures. 20 years of customer service experience. 1 year of experience handling low to moderately complex auto non injury liability. Experience determining auto liability coverage. Experience adjusting auto physical damage associated with injury claims. Proficient knowledge and understanding of the auto claims contract as well as application of case law and state laws and regulations. Demonstrated negotiation, investigation, communication, and conflict resolution skills. Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills. Ability to organize, analyze, and effectively determine risk and appropriate. 1 Year experience adjusting Total Loss Auto Claims. Available to work overtime. Investment Processor
Capital Group - San Antonio, TX
July 2020 to February 2022
Process incoming investor requests, update account information, process address update requests, etc. Member Services Representative
UnitedHealth Group - San Antonio, TX
February 2016 to June 2020
Assisting Medicare and Retirement members with all their insurance needs and questions pertain to their plan and existing coverage. Calling the pharmacy, making doctor appointments, setting up transportation, technical support with their online accounts, file grievances on their behalf, processing/ taking payments for monthly premiums, explaining and educating members about their claims and EOBs, transfer calls to correct departments, resolve members issues, escalate call if necessary, etc. Transportation Supervisor
Laurel Ridge Treatment Center - San Antonio, TX
November 2010 to February 2016
Assign daily routes to individual drivers, schedule and setup transportation for patients that are discharged, transport active duty soldiers to and from facility to Fort Hood, etc Deputy Sheriff
Bexar County - San Antonio, TX
May 1999 to November 2010
Served as security at specified events outside of the detention center, lead SERT team inside the detention for medical responses and fights or riots, ensure safety of all inmates, etc. Front End Supervisor
Kmart - San Antonio, TX
March 1997 to May 1999
Schedule breaks/lunches for cashiers, field complaints from customers, assist in customer service/ layaway as needed, ensure returns are collected by designated departments, etc. Education
High school diploma High school diploma
Tivy High School - Kerrville, TX
January 1991 to December 1991
Skills
• Operating Systems (5 years)
• Basic math
• Microsoft Office (5 years)
• Medical office experience
• Microsoft Word (5 years)
• Software troubleshooting
• Computer hardware
• Microsoft Outlook (5 years)
• Office experience
• Financial services
• Medical billing
• Microsoft Windows Server
• Medical coding
• Medicare
• Medical scheduling
• Medical terminology
• Customer service
• Warehouse experience
• Typing
• Medical collection
• Microsoft Powerpoint
• Insurance verification
• Computer Networking (4 years)
• Clerical experience
• Computer operation
• Microsoft Excel (5 years)
• Research
• Shipping & receiving
• Windows
• Military
• Cash register
• EHR systems
• Technical support
• Documentation review
Certifications and Licenses
Auto Adjuster License
Driver's License
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