Auto Claims Adjuster - Full-Cycle Claims Professional

Oscar Castillo

Professional Summary

Auto Claims Adjuster with hands-on experience handling auto claims through the full claim lifecycle, from initial intake and investigation to resolution and payment

Skilled in analyzing loss details, policy coverage, photos, estimates, police reports, and recorded statements to support sound claim decisions

Experienced in evaluating fault and applying comparative liability principles in accordance with policy language and state-specific guidelines

Consistently provides clear, professional communication to policyholders and claimants, ensuring transparency and alignment on claim outcomes

Organized and process-driven, with a strong ability to manage claim files, document activity within internal systems, and escalate higher-severity or injury-related exposures appropriately

Location: Litchfield Park, AZ – Comfortable with commute; Available for onsite 5 days week

Reason for searching: Planned family leave (Stay at home parent); actively pursuing return to a full-time Auto Claims Adjuster position.

Holds an active multi-state All Lines Adjuster License

Professional Experience

Reason for Departure: Transitioned to a temporary stay-at-home parent role in 2025, due to changes with wife’s career.

Auto Claims Adjuster Specialist

State Farm – Tempe, AZ

November 2023 – December 2024

Managed an endtoend caseload of auto claims from first notice of loss through settlement, including coverage verification, investigation, liability determination, and payment issuance.

Conducted indepth claim investigations by reviewing facts of loss, policy language, police reports, photos, estimates, and recorded statements from all involved parties.

Determined liability across a range of scenarios, including shared and comparative fault determinations (e.g., 60/40, 70/30), while ensuring decisions aligned with policy provisions and state regulations.

Handled multivehicle accidents involving up to five vehicles, as well as uninsured driver claims.

Coordinated towing, repairs, estimates, and vendor payments while maintaining accurate documentation and timely claim progression.

Communicated proactively with policyholders and claimants to explain coverage decisions, outline next steps, and set clear expectations throughout the claim lifecycle.

Identified and escalated bodily injury exposures that exceeded defined thresholds to higherlevel adjusting units, ensuring complete documentation and smooth handoff.

Utilized internal claims systems to document activity, manage diary tasks, issue payments, and maintain organized workflows in a fastpaced environment.

Express Claims Adjuster

April 2023 – November 2023

Managed a highvolume caseload of auto insurance claims within the Express team, focusing on clearliability losses and prompt resolution.

Conducted initial claim investigations by reviewing facts of loss, policy details, photos, estimates, and police reports when applicable.

Gathered statements from policyholders and claimants, verified coverage, and established appropriate reserves for potential exposures.

Communicated consistently with customers to explain coverage decisions, claim outcomes, and next steps while delivering a positive customer experience.

Escalated complex, disputed, or injuryrelated claims to the appropriate units, ensuring timely handoff and thorough documentation.

Maintained detailed and compliant claim files while meeting productivity, quality, and cycletime expectations in a callcenter environment.

FHI Associate

FHIWorks – Phoenix, AZ

June 2017 – March 2019

Supported warehouse operations by unloading trailers and handling inventory using forklifts and pallet jacks.

Prioritized tasks to meet tight deadlines while maintaining safety and accuracy standards.

Coordinated directly with truck drivers to ensure proper documentation, delivery accuracy, and safe unloading procedures.

Education

High School Diploma

Santa Fe High School – Santa Fe Springs, CA

Skills

Auto Claims Handling (Property Damage) Liability Investigation & Determination Coverage Analysis Police Report & Statement Review Multi-Vehicle Accident Claims

Uninsured Vehicle Claims Claim Documentation & Report Writing Customer Communication & Negotiation Time Management & Task Prioritization Microsoft Word, Excel, Teams, Outlook

Certifications & Licenses

All Lines Adjuster License (Multi-State) - CT, DE, FL, KY, LA, NC, NH, NM, OK, SC, TX, VT

Contact this candidate