Carmen Farias
Helotes,TX
Summary
Insurance Adjuster skilled in investigating and analyzing liability concerning personal, casualty or property loss. Proven history of leveraging excellent negotiation skills to facilitate settlements. Excellent communication skills demonstrated through 35 years of experience interviewing specialists, witnesses and claimants to compile information.
Overview
38
38
years of professional experience
Work History
Bodily Injury Claims Adjuster
USAA
9800 Fredericksburg Rd, San Antonio, TX 78265
02.1985 - 11.2022
- Negotiated terms and handled settlements and adjustments with attorneys, claimants and co-defenders.
- Evaluated coverage, liability and damages and investigated suspicious claims.
- Interviewed policyholders, witnesses and third parties to gather information and details regarding injury event.
- Referred extreme cases to Special Investigation Unit (SIU) for further review.
- Conducted claims investigations by obtaining written statements, preparing reports, researching public records and conducting personal interviews.
- Prepared and presented complex cases to management, in-house legal team and Claims Committee.
- Documented and tracked claims approval process and communicated status monthly with claimants, attorneys and in-house personnel.
- Determined liability and estimated and approved benefit payments.
- Established relationships with clients and insurance companies to foster timely claims resolution.
- Evaluated insurance policies and analyzed damages to determine coverage.
Education
Bachelor of Science - Business Administration And Management
University of The Incarnate Word
San Antonio, TX05.2021
High School Diploma -
South San Antonio High School
San Antonio, TX06.1983
Skills
- Insurance Policy Coverage Knowledge
- Complex Coverage Issues
- Total Loss Knowledge
- Settlement Determinations
- Microsoft Word
- Medical Terminology
- Liability Determinations
- Claims File Management Processes
- Bodily Injury Settlements Proficiency
- Advanced Oral and Written Communication Skills
- Property Adjusting
- Claims Investigations
- TX Claims Adjuster License
- Claims Negotiation
- Repair Service Coordination
- Accident Scene Investigations
- Appraisal and Salvage Operations
- Investigate Property Damage
- Examine Reports
- Estimate Repair Costs
- Regulatory Compliance
- Company Guidelines
- Verify Data
Timeline
Bodily Injury Claims Adjuster
USAA
02.1985 - 11.2022
Bachelor of Science - Business Administration And Management
University of The Incarnate Word
High School Diploma -
South San Antonio High School