Ayesha Dinkins
Richmond,VA
Summary
Seasoned and skilled in the insurance industry for 17 years. Over the years my experience have ranged from personal auto, personal injury protection, commercial auto, bodily injury, construction defects, general liability such as premises liability, products-completed operations, liquor liability, employers liability, and personal & advertising injury claims. Ayesha has actively broadened her horizons in the insurance industry being a successful insurance adjuster. Meeting people where they are in their time of need. Being the peace as they go through the claims process. Ayesha has the tenacity, the drive and dedication to be successful in this field and bring something back to the claims adjusting world that may sometimes get lost with seasoned adjusters. Empathy and being that guiding light to those who are in distress. Offering comfort all while performing your job to the best of your ability. Also, sharing my experiences with new up and coming adjusters who may not know what to expect. Offering my own experiences and services to assist, mentor others all the while being a student myself of learning new things.
Overview
19
19
years of professional experience
Work History
Senior Resolutions Manager/Adjuster
Gallagher Bassett Services Inc.
06.2023 - Current
- Investigated liability claims to determine coverage and extent of damages.
- Assessed potential legal liabilities, negotiated settlements, and determined reserves.
- Reviewed medical records and police reports to evaluate the merits of a claim.
- Compiled evidence, including witness statements and photographs.
- Researched applicable case law to support or refute liability claims.
- Conducted interviews with claimants, witnesses, experts and other parties involved in the claim process.
- Analyzed complex documents such as contracts, policies, deeds and titles for accuracy and completeness.
- Drafted detailed reports outlining findings from research and investigations.
- Evaluated financial losses associated with personal injury claims.
- Negotiated settlements on behalf of clients while protecting their interests.
- Attended mediations to represent clients in disputes over liability issues.
- Collaborated with attorneys to develop strategies for defending against liability claims.
- Participated in continuing education programs related to insurance laws, regulations and industry trends.
- Adjusted high valued complex cases in the 6-7 figure range
- Investigated premises liability, products-completed operations, liquor liability, and employers liability cases
General Liability Claims Adjuster
US Claims Administrators
05.2021 - 03.2022
- Worked in construction defects
- Conduct thorough investigation of construction claims
- Negotiate and settle property damage claims
- Handled litigated claims
- Products Completed Operations.
- Assisted in training new adjusters on company policies, best practices, and customer service expectations within the role of general liability claims adjuster.
General Liability Claims Adjuster
Berkshire Hathaway Guard Insurance
09.2018 - 06.2021
- Conduct thorough investigation of complex claims
- Negotiate and settle general liability claims that range from minor exposures to more complex higher exposure claims
- Communicate effectively with insureds, claimants, attorneys, and insurance agents
- Handled litigated claims to completion
- Experience in product liability claims
- Slip and fall claims
- Property Damage
- Employee Liability.
- Negotiated fair and equitable settlements with claimants, attorneys, and medical providers.
- Conducted thorough investigations of claims to determine coverage, liability, and damages.
Commercial Auto Liability Adjuster
Hereford Insurance
11.2014 - 09.2018
- Negotiating liability with customers, adverse carriers, and attorneys utilizing New York State Comparative Negligent Law
- Resolve coverage issues for active policies
- Compose delay letters, denial letters, and offer letters for liability claims
- Set up inspections for eligible vehicles
- Review subrogation demands from Adverse Carriers..
- Managed a high volume of claims simultaneously, maintaining organization and efficiency under pressure.
- Assessed vehicle damages accurately, collaborating with automotive repair professionals for precise estimates.
Liability Adjuster
GEICO
11.2011 - 05.2013
- All the duties and responsibilities of a Claims Examiner with the addition of: Negotiating claims where there is a dispute in liability utilizing Comparative Negligent Law
- Negotiating claims to effect prompt and fair settlements
- Negotiating with either customers directly or with adverse carriers and/or attorneys
- Referring claims with Bodily Injury exposure to the appropriate claim examiner for processing.
Personal Injury Protection Adjuster
GEICO
07.2006 - 11.2011
- Respond to complex customer calls
- Analyzed medical records and peer review reports
- Resolve customer service inquiries which could include: Benefit and Eligibility information, Billing and Payment Issues, Customer Material Requests, Physician Assignments, Authorization for treatment, Explanation of Benefits (EOB)
- Provide the very best customer service to internal/external customers
- Constantly meet established productivity, schedule adherence, and quality standards
- Process claims according to state and specified procedures and standards set forth
- Meeting all position production and quality standards
- Recognizes when to refer complicated claim situations to the various areas, outside firms and organizations
- Submits and monitors claims referred to internal support units
- Determines if third party recovery or reimbursable compensation potential exists
- Handles complex claim situations
- Analyzes and resolves problems from customers and providers
- Selects and explains the best solution for the problem.
Claims Service Representative (Call Center)
GEICO
09.2005 - 08.2006
- Securing first notice of loss from customers
- Determining applicable coverage
- Explaining coverage to the customer
- Resolving any coverage issues
- Setting up inspections for damaged vehicles
- Assisting customers with Rental Needs
- Identifying if claims need to be routed to a specialist
- Corresponding with adverse carriers
- Processing claims related payments
- Referring claims to subrogation
- Maintaining a 60 wpm typing standard
- Using Multitasking skills to assist customers while processing claims and maintaining a diary workload bringing all cases to a prompt closure.
Education
BBA - Business Administration
Dowling College
Oakdale, NY06.2004
Skills
- Coaching and Mentoring
- Assertiveness
- Influencing skills
- Task Delegation
- Multi tasker
- Advanced Oral and Written Communication Skills
- Organized
- Customer Service Oriented
- MS Office
- Advanced Computer Skills
- Negotiation Skills
- Quality Assurance
- Strong Problem Solving Aptitude (Lean Six Sigma)
- MS Windows Proficient
- Exceptional Communication Skills
- Medical Terminology Knowledge
- Skilled in Call Center Operations
- Multi Line phone operations proficient
- Policy Interpretation
- Independent Judgment
- Dispute Resolution
- Legal Compliance
- Regulatory knowledge
- Claims Investigation
- Property adjusting
- Risk Assessment
- Policy investigations
- Claims Processing
- Property claims
- Automobile appraisals
- Insurance fraud expertise
- Quality Control
- Litigation resolution
- Caseload Management
- Coverage assessments
- Medical terminology specialist
- Best Practices Implementation
- Claims file management processes
- Damage Assessment
- Highly motivated
- Report Writing
Licenses
I currently hold adjuster licenses in the following states: Florida (DHS), Hawaii, Idaho, Kentucky, Minnesota, New Mexico, Nevada, New York, Rhode Island, Texas (all lines), Connecticut (all lines), Washington, and West Virginia. I hold property and casualty licenses in the following states: Arkansas. California (misc), Georgia, Louisiana, Maine, Michigan, Montana, North Carolina, South Carolina, New Hampshire, and Vermont, Alaska, and Oklahoma.
Timeline
Senior Resolutions Manager/Adjuster
Gallagher Bassett Services Inc.
06.2023 - Current
General Liability Claims Adjuster
US Claims Administrators
05.2021 - 03.2022
General Liability Claims Adjuster
Berkshire Hathaway Guard Insurance
09.2018 - 06.2021
Commercial Auto Liability Adjuster
Hereford Insurance
11.2014 - 09.2018
Liability Adjuster
GEICO
11.2011 - 05.2013
Personal Injury Protection Adjuster
GEICO
07.2006 - 11.2011
Claims Service Representative (Call Center)
GEICO
09.2005 - 08.2006
BBA - Business Administration
Dowling College