Hi, I’m
Charlotte Switzer
Senior Liability Auto Claims Adjuster
Wauchula,FL
Summary
Dynamic auto claims professional with extensive experience in liability investigation, complex property damage claims, and fraud detection support. Currently serving as a CR2 Senior Liability Auto Claims Adjuster at AAA, managing a diverse caseload that includes intricate liability determinations, total loss assessments, and attorney-represented claims. Recognized for exceptional investigative analysis, meticulous documentation, and adept collaboration on cases involving fraud indicators and complex considerations. Proven track record of high productivity and outstanding customer satisfaction scores, complemented by national performance recognition in previous claims and policy service roles.
Overview
5
years of professional experience
Work History
AAA
Senior Auto Claims Adjuster – CR2
09.2023 - Current
Job overview
- Manage a diary-based caseload of complex auto property damage claims, independently handling investigation, liability determination, exposure evaluation, and claim resolution.
- Conduct advanced liability investigations involving multi-vehicle accidents, disputed fault scenarios, and complex coverage issues using recorded statements, police reports, scene evidence, and comparative negligence analysis.
- Handle a broad portfolio of claims including total loss, fire and theft, comprehensive losses, catastrophe claims, and attorney-represented files.
- Coordinate directly with attorneys, insureds, claimants, repair facilities, and vendors to negotiate and resolve property damage claims efficiently.
- Collaborate with the Special Investigations Unit (SIU) on claims presenting potential fraud indicators, assisting with investigative documentation, evidence development, and claim file support.
- Investigate fire, theft, and suspicious loss claims, verifying coverage applicability and documenting loss circumstances in accordance with regulatory and company standards.
- Oversee total loss claim handling, including valuation review, settlement calculations, lienholder coordination, and customer settlement discussions.
- Support catastrophe response operations, assisting with surge claim volumes while maintaining quality investigation and compliance with claim handling guidelines.
- Maintain comprehensive and compliant claim documentation within claims management systems while meeting diary management and productivity expectations.
- Apply strong analytical reasoning, negotiation strategy, and investigative techniques to resolve complex claims and mitigate financial exposure.
GEICO
Claims Adjuster – Customer Service Representative (CSR)
08.2022 - 08.2023
Job overview
- Managed high-volume incoming auto insurance claims through phone-based claim intake streams, documenting loss details and initiating claim investigations.
- Conducted initial claim investigations, gathering statements, verifying policy coverage, and establishing accurate claim files.
- Managed system-generated claim activities and productivity tasks, including follow-ups, documentation updates, and claim progression requirements.
- Maintained high productivity metrics while balancing call handling, investigation documentation, and claim workflow management.
- Earned consistently strong customer satisfaction survey scores through clear communication and empathetic customer service.
- Ensured accurate claim documentation in compliance with company procedures and regulatory requirements.
GEICO
Customer Auto Policy Service Representative
04.2021 - 08.2022
Job overview
- Provided policy servicing for personal auto insurance policies, assisting customers with coverage changes, endorsements, billing inquiries, and policy updates.
- Educated customers on policy coverage, deductibles, liability limits, and available protection options to support informed insurance decisions.
- Identified coverage gaps and recommended policy solutions, achieving #2 nationwide ranking for combined policy referrals.
- Recognized as an award-winning performer for referral generation, service excellence, and productivity.
- Maintained detailed policy documentation while meeting performance, compliance, and quality assurance standards.
Education
King Edward VII Upper SchoolMelton Mowbray, England. UK.
GCSE from General Certificate of Secondary Education
05.2001
Skills
Liability Investigation
Claims Investigation
Fraud Indicator Identification
SIU Collaboration
Comparative Negligence Analysis
Attorney-Represented Claims
Total Loss Handling
Fire & Theft Investigations
Claim Negotiation & Settlement
Coverage Analysis
Claim Documentation & Compliance
Catastrophe Claim Handling
Customer Interview & Statement Taking
Licenses
FLORIDA COMPANY ADJUSTER - ALL LINES (0620) - Issued 01/04/2023 - In current State Compliance.
FLORIDA PERSONAL LINES AGENT (2044) - Issued 08/30/2021 - In current State Compliance.
License #: W758435
Timeline
Senior Auto Claims Adjuster – CR2
AAA
09.2023 - Current
Claims Adjuster – Customer Service Representative (CSR)
GEICO
08.2022 - 08.2023
Customer Auto Policy Service Representative
GEICO
04.2021 - 08.2022
King Edward VII Upper School
GCSE from General Certificate of Secondary Education
05.2001