Claims Adjuster Representative

Sandra Cunningham

BUSINESS EXPERIENCE

Thornhill and Associates Porter Ranch, CA

Claims Adjuster/Investigator June 2021 - October 2021

I primarily handled third-party liability claims for high-risk insureds and claimants that included field activities outside the office, gathering evidence, taking statements, preparing diagrams, taking photographs of scenes, autos, and property damage, including vehicles and other property damage related to the incident, canvassing, and searching for potential unknown witnesses.

Locating insureds, gathering, and having legal documents completed and signed by insureds and claimants.

Heavily involved cold-calling clients to secure and complete investigative activities.

Custard Insurance Adjusters West Covina, CA

Claims Adjuster May 2017 – October 2019

I handled field activities outside the office, including gathering evidence, taking statements, preparing diagrams, taking photographs of scenes, autos, and property damage, including vehicles and other property damage area canvassing, and searching for potential unknown witnesses.

I would locate unidentified claimants by cold calls and or cold calling attorneys who failed to respond to the client's correspondence or phone calls to gather whatever information the client may need.

I analyzed and evaluated special damages, including auto estimates, property estimates, personal property inventories, personal property contents, medical bills, lost wage statements, and medical reports.

Attended small claims hearings, trial watches, and Mandatory Settlement Conferences weekly to settle the claims as needed by the client.

Experience in handling cargo claims including supervising, shifting, and reloading unbalanced loads to pass the weight requirements.

I am especially gifted in handling commercial trucking claims of all kinds, including live-scene investigations.

Employment Development Department Los Angeles, California

Employment Program Representative October 2008 - March 2016

Determine eligibility for unemployment benefits

I determined if claimants were eligible for unemployment benefits by compiling their statements, the rules, regulations, state guidelines, and employer statements

Safeway Insurance Company Monrovia, California

Claim Representative April 2007 - May 2008

I evaluated and settled Property Damage claims for nonstandard auto policies.

I resolved coverage issues.

Set up rentals and prepared files for subrogation if warranted.

Obtained verbal and recorded statements as needed and made the proper liability decision based on the file investigation.

I consistently maintained appropriate reserves and kept pendings extremely low.

Diaries are always kept up to date.

Police reports were ordered or picked up whenever possible, I settled total loss claims, and remedied the remaining salvage.

Workmen's Auto Insurance Company Los Angeles California

Claim Representative May 2006 - April 2007

I evaluated and settled Bodily Injury and Property Damage claims for nonstandard and standard auto policies.

I set up rentals and prepared files for subrogation if warranted.

I obtained verbal and recorded statements as needed and made the proper liability decision based on the file investigation.

Maintained appropriate reserves and kept pending very low.

Diaries were kept up to date.

Completed arbitration forms for intercompany arbitrations and achieved settlements of total loss and salvage.

I was the only representative in that office who handled homeowners' claims as well as auto simultaneously.

David Morse & Associates Glendale, California

Claims Adjuster December 2005 - April 2006

I evaluated and settled Bodily Injury and Property Damage claims for nonstandard and standard auto policies.

Set up rentals and prepared files for subrogation if warranted.

Obtained verbal and recorded statements as needed and made the proper liability decision based on the file investigation.

Maintained reasonable reserves and kept pending very low.

Total loss salvage was taken care of before fees could pile up, and the total loss was settled very quickly.

Two appearances firm as an expert witness on two fatalities.

State Farm Insurance Company Rancho Cucamonga, California

Claim Specialist April 1987 - June 2004

I performed management duties, including assigning new and reopened files.

Completed closing reports, reviewed, and paid all bills, and mail for proper coding.

Set appropriate reserves, met weekly file reviews, reviewed progress, closing.

And evaluation reports of co-workers in the absence of a supervisor.

Scene investigation recorded statements over the phone and in person.

Attended mandatory settlement conferences every week, prepared and attended binding arbitrations.

Adjusted new and reassigned files. (Including coverage issues) from beginning to end with excellent results.

Kept file pending at an all-time low by prompt and equitable settlements.

LICENSES:

California Independent Adjuster License

California Property and Casualty License

Texas All Lines Adjusters License

EDUCATION:

University of California, Santa Barbara, California

Bachelor of Arts - Sociology

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