CARA M. MURPHY
North Andover,MA
Summary
Experience in handling personal, commercial, homeowners, auto and garage keepers claims, environmental claims. Twenty-Two years' experience in bodily injury claims for all lines. Expertise in training personnel. Highly motivated self-starter. Excellent communication skills and superior negotiator.
Professional with deep expertise in claims management, prepared to excel in this role. Known for strong analytical skills, effective problem-solving, and thorough understanding of insurance policies and regulations. Team-oriented and results-driven, flexible in adapting to changing priorities. Recognized for exceptional communication, negotiation abilities, and focus on delivering high-quality outcomes.
Professional claims consultant prepared for impactful contributions. Experienced in managing complex claims processes, ensuring compliance, and fostering client relationships. Known for effective team collaboration, adaptability, and results-driven approach, leveraging analytical and communication skills.
Diligent Desired Position with extensive background in claims consulting. Demonstrated success in analyzing and resolving complex claims, ensuring compliance and client satisfaction. Proven ability to utilize negotiation and investigative skills to achieve favorable outcomes.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Multi-Line Claims Consultant
CCMSI
05.2024 - 09.2024
- Handling liability claims for waste management client only
- Resolving and negotiating commercial truck auto accidents, Hydraulic spills, Environmental liability claims
- Reduced out of pocket self insured clients indemnity and expense by negotiating lower settlements with comparative negligence and depreciation vs
- Hiring outside counsel
- Facilitating meetings with client to advise on trends of liability and making suggestions for more driver training and communication to be consistent between the different state locations to upper management consulting us before they grant authority on proceeding with acceptance of liability and allowing claimants to move forward with any costs involved in their claims
Clearcover Insurance
01.2022 - 12.2023
- Investigates first and third party auto claims, multi jurisdictions
- Reviews for proper coverage application
- Writes denials and Reservation of rights letters when appropriate
- Acts as team leader when the supervisor is not available and teaches less experienced adjusters
- Remote, Main Office
Part time modeling and marketing
Dynasty Agency
02.2019 - 06.2021
Regional General Adjuster/Investigator
Lamarche Associates
10.2013 - 09.2019
- Field investigator for liability and property claim assignments by clientele offering as follows:
- Analyze information gathered by full investigation and report findings and recommendations
- Collect evidence to support contested claims in court
- (ie: photos, statements, identifying3rd party co-defendant involvement)
- Communicate with former neighbors, friends, co-workers of a claimant to determine credibility and past history relevant to the case
- Examine claims form and other records to determine insurance coverage
- Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims
- Interview or correspond with claimant and witnesses, consult police and hospital records, and inspect property to determine extent of liability
- Negotiate claim settlements and recommend litigation when settlement cannot be negotiated
- Writes detailed estimates of property losses and environmental claims such as oil spills, hydraulic spills with truck rollovers
Senior Litigation Specialist
Homesite Insurance Company
02.2005 - 08.2013
- Created the Homesite Liability Department in2005 which was originally outsourced to Independent Adjusting Companies; resulting in a savings of thousands of expense dollars
- Responsible for handling and disposition of third party litigation claims throughout the United States (47 STATES/Jurisdictions)
- In charge of the development and best claim practices for the Liability and Litigation Department
- Maintained an accurate record of all large loss settlements and litigation files for the Claims and the Legal Departments
- Travel to court hearings, trials and mediations to resolve all types of litigation, including Bad Faith Litigation
- Supervised three people unit and kept track of the indemnity/expense dollars reporting to upper management
- Presented large loss cases in monthly round table sessions
- Trained new staff in investigation, recorded statements and multi jurisdiction case law and dealing with difficult customers
- Liability Supervisor September2010- March2011
Auto Property Damage Supervisor
One Beacon Insurance Company
11.2002 - 12.2004
- Supervised five-seven claims adjusters
- Executed training for all new employees
- Analyzed and evaluated individual performance providing written reviews
- Established a Guard Rail Claim Project for the company which resulted in saving the company $140,000 over eight months
- Helped manage employee layoffs due to company downsizing
Senior Claims Specialist, Bodily Injury Road Adjuster Dept.
Arbella Mutual Insurance Company
08.1997 - 11.2002
Senior Property Claims Examiner
Safety Insurance Company
08.1995 - 08.1997
Education
Paralegal Studies Major
Mount Ida College
Newton, MALiberal Arts
North Shore Community College
Beverly, MASkills
- Claims analysis
- Investigation techniques
- Policy interpretation
- Claims investigation
- Customer service
- Problem-solving
- Insurance policy knowledge
- Time management
- Multitasking
- Excellent communication
- Critical thinking
- Organizational skills
- Team leadership
- Decision-making skills
- Effective communication
- Verbal and written communication
- Claims
- Decision-making
- Claims evaluation
- Self motivation
- Analytical thinking
- Conflict resolution
- Computer literacy
- Information gathering
- Goal setting
- Professionalism
- Coverage determination
- Public speaking
- MS office
- Settlement negotiations
- Liability determination
- Written communication
- Team Training
- Denied claims identification
- Microsoft Office Suite
Certification
- Licensed in: CT, TX, VT, ME, NH
- Massachusetts Agent Licensing Course
- Associates in Claims Degree & Ethics AIC
- CPCU1, BOP Policy Continuing Education Exam, Commercial Policy Package Exam
- Pictorial Courses: Auto Physical Damage Basics, Principles of Claims Investigation, Auto Law and Negotiation - Getting to Yes
Timeline
Multi-Line Claims Consultant
CCMSI
05.2024 - 09.2024
Clearcover Insurance
01.2022 - 12.2023
Part time modeling and marketing
Dynasty Agency
02.2019 - 06.2021
Regional General Adjuster/Investigator
Lamarche Associates
10.2013 - 09.2019
Senior Litigation Specialist
Homesite Insurance Company
02.2005 - 08.2013
Auto Property Damage Supervisor
One Beacon Insurance Company
11.2002 - 12.2004
Senior Claims Specialist, Bodily Injury Road Adjuster Dept.
Arbella Mutual Insurance Company
08.1997 - 11.2002
Senior Property Claims Examiner
Safety Insurance Company
08.1995 - 08.1997
Paralegal Studies Major
Mount Ida College
Liberal Arts
North Shore Community College
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