Abigail Kupihea
Milford,TX
Summary
Professional with several years of experience conducting claim investigations to determine value and appropriate action. Focus on customer service and providing prompt and accurate claim responses.
Overview
18
18
years of professional experience
Work History
Property Damage Claims Specialist
TheBest Claims Solutions
Chicago, Illinois
05.2026 - Current
- Handle automobile and property new loss and reassigned claims for non-standard insurance companies First Chicago insurance and United Security insurance as an independent adjuster.
- Investigate for coverage: Pull and review ISO, TLA and MVR reports, take recorded statements from insureds, unlisted drivers and agents office.
- When material misrepresentation is discovered, assist by processing for policy rescission for management review and approval.
- Determine liability by taking all drivers and witnesses statements, review photos of vehicle damages and scene of accident.
- Achieved high ratings for phone compliance with an answering rate of 100%.
- Handle automobile and property claims from cradle to grave: maintain a high volume of reassigned claims bringing them to resolution or reassigning to subrogation.
- Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
Auto Claim Adjuster II
United Auto Insurance Company
Miami, FL
05.2022 - 02.2026
- Managed newly-assigned claims and first notice of loss, with a pending diary of 125 claims, on average, at any given time.
- Reviewed insurance policies to confirm coverage, limits, and valid claims.
- Investigated coverage issues, i.e. Driver Not on Policy, Vehicle Not on Policy, Excluded Driver, Rideshare, and Business Use.
- Sent Right of Reservations to the insured in a timely manner.
- Obtained photos and police reports, took recorded statements from drivers and witnesses to determine how the accident occurred, investigated further for fraudulent claims, and referred exposure to the Special Investigation Unit.
- Analyzed all evidence to assess liability and assign fault rating based on state laws, such as comparative fault rules.
- Scheduled vehicle inspections for appraisal with direct program repair shops, assigned field appraisers, and/or sent links for photos.
- Reviewed estimates, relayed settlements or pro rata for comparative negligence, and explained the supplement process.
- Reviewed and processed loss of use or rental coverage.
- Reviewed attorney letters of representation and responded with appropriate letters.
- Reviewed and processed subrogation demands from other carriers.
- Assisted management in training new adjusters.
- Completed required investigations on referred files within established timeframes.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Worked closely with repair facilities and contractors to ensure quality repairs for policyholders.
- Prepared detailed reports on investigation findings and claim status for internal use.
- Gathered information from various third parties to determine claim acceptability.
- Reviewed, evaluated and adjusted claims to promote fair and prompt settlement.
- Coordinated with law enforcement and other agencies as needed for claims investigation.
- Analyzed and determined fault in auto accidents based on evidence and applicable laws.
- Collaborated with underwriting teams to provide insights on risk assessment and policy adjustments.
- Investigated and evaluated property and casualty insurance claims to determine coverage and liability.
- Negotiated and settled claims according to information presented through reports, research, and data verification.
- Utilized claim handling software to document and manage claim files efficiently.
- Assisted in fraud detection and prevention efforts by identifying suspicious claim activities.
- Investigated questionable claims to determine payment authorization.
- Engaged in continuous learning to stay current with industry trends and best practices in claims management.
- Reviewed and applied state laws and regulations to ensure compliance in claim handling.
- Communicated effectively with policyholders, providing updates and explaining claim processes.
- Interpreted insurance policy language to apply appropriate coverage.
- Identified and obtained evidence to ascertain claim value.
- Participated in training and mentoring of new claims adjusters, sharing knowledge and expertise.
- Worked Fully Remote
Claims Adjuster II
Allied Solutions
Plano, USA
04.2017 - 05.2022
- Took full ownership of gap claims and settlements from start to finish, with an average of 55-60 claims per month.
- Reviewed total loss documents, including damage estimates, settlement breakdowns, photos, and vehicle evaluation reports.
- Reviewed loan documents, service contracts, and payment histories.
- Amortized loans as needed to adjust claims.
- Monitored and answered phone calls from lending companies, dealerships, and borrowers.
- Discussed and explained settlements, denials, and claims process to lenders and borrowers.
- Plano, TX
Auto Claims Adjuster-Total Loss/Salvage/Express
State Farm Insurance
DuPont, WA
10.2011 - 02.2017
- Reviewed claims for potential total loss vs. repair using estimates, actual cash value, salvage value, and photos.
- Assisted and provided status updates to salvage vendors in moving vehicles and title issues.
- Set up tows and deployed select service assignments and staff and vehicle inspection site assignments.
- Set up and monitored rentals for all parties when applicable.
- Handled total loss claims from start to finish; relayed settlement offers, prepared file to move forward to salvage and subrogation.
- Achieved and maintained high scores in call-monitoring calls for Remarkable Customer Service.
- DuPont, WA and Richardson, TX
Underwriting Service Assistant
State Farm Insurance
DuPont, WA
10.2008 - 08.2011
- Efficiently processed and completed policy changes for insureds.
- Evaluated, processed, and applied policies for discounts.
- Reviewed recreation vehicle applications.
- Answered inquiries from agency offices regarding policies, discounts, applications, and status.
- Handled incoming calls and directed callers to appropriate department or employee.
- Monitored office services mailbox for business support needs and requests.
Education
General Education Development
Waipahu, HISkills
- Texas All Lines Adjuster License
- Florida All Lines Adjuster License
- Guidewire software
- Microsoft Edge
- Outlook
- Claims investigation
- Policy interpretation
- Insurance regulations
- Automobile claims specialist
- Property claims
- Insurance fraud expertise
- Critical thinking
- Verbal and written communication
- Claims processing
- Highly motivated
- Active listening
- Teams
- Claims investigations
- Fact finding
- Coverage assessments
- Attention to detail
- Tme management
- Settlement negotiation
- Customer service
- Liability assessment
- Claims file documentation
- Problem-solving
- Avaya phone system
- Five9 phone system
Certifications And Skills
- All Lines Adjuster license in Texas and Non-Resident for Florida.
- Proficient in Guidewire software.
- Proficient in Avaya and Five9 phone systems.
- Microsoft Edge and Teams
Timeline
Property Damage Claims Specialist
TheBest Claims Solutions
05.2026 - Current
Auto Claim Adjuster II
United Auto Insurance Company
05.2022 - 02.2026
Claims Adjuster II
Allied Solutions
04.2017 - 05.2022
Auto Claims Adjuster-Total Loss/Salvage/Express
State Farm Insurance
10.2011 - 02.2017
Underwriting Service Assistant
State Farm Insurance
10.2008 - 08.2011
General Education Development