Cynthia Jean-Charles
Piscataway,NJ
Summary
Senior Claims Representative with Number years of industry experience. Successful at meeting customer and company needs with fair and equitable approach to claims process. Detail-oriented, systematic and skilled in identifying exposures and proposing actionable solutions.
Overview
10
10
years of professional experience
Work History
CLAIMS EXAMINER|SEDGWICK
08.2021 - Current
- Manage Professional liability, General Liability and Auto claims through well-developed action plans to an appropriate and timely resolution using the companies guidelines and industry best practices with minimal amount of supervision
- Promptly indentify claims that have significant exposure and report to excess carriers as needed
- Review, evaluate coverage and draft coverage correspondences for the insurance carrier
- Calculates and assigns timely and appropriate reserves to claims; manages reserve adequacy throughout the life of the claim
- Manage defense counsel and legal spend by driving claims to early resolution when appropriate
- Assess liability and financial exposure, and effectively negotiate cost effective, good faith claims resolutio
- Prepare quaterly claim reports for various clients and present at claim reviews
- Maintains Adjusters Licenses in states as required.
SENIOR CLAIMS REPRESENTATIVE | CHUBB
03.2018 - 08.2021
- Under limited supervision, successfully manage over 175 construction claims in litigation for several clients that have the potential to be in excess of $500k, specifically focusing on New York Labor Laws 200, 240 (1) and 241 (6)
- Attend mediations and participate in quarterly claim file reviews for several clients and make necessary recommendations for early resolution to minimize current exposure and future risks
- Develop litigation plan with counsel, including discovery and legal expenses, to assure effective resolution
- Prepare quarterly reports on investigation, settlements, and denials of claims
- Set adequate reserves within authority limits and recommend reserve changes to clients
- Negotiate disposition of claims with insureds, claimants and their attorneys
- Apply the companies claim management protocols and best practices to all claims.
CLAIMS REPRESENTATIVE
THE PORT AUTHORITY OF NY
, NJ
01.2017 - 03.2018
- Successfully managed over 100 construction claims in litigation that have the potential to be in excess of 100k-500k from inception to close specifically focusing on New York Labor Laws 200, 240 (1) and 241 (6) from first notice of loss through settlement
- Settle commercial property and casualty insurance claims by completing meaningful negotiations saving the program a few thousand dollars a year
- Solely responsible for settling more than 10 property damage claims a month that arise from the construction of the World Trade, Bayonne Bridge, and Newark Airport, and PATH tunnels that may have caused damage to vehicles, homes, and businesses within my Authority
- Analyze contracts for possible risk-transfers or tenders
- Review Summons and Complaints and formulate strategy to defend claims
- Coordinated quarterly strategy calls with Defense Counsel to bring claims to a resolution.
PARALEGAL |THE PORT AUTHORITY OF NY&NJ
03.2016 - 01.2017
- Coordinated independent investigators assignment and discoveries
- Oversee discovery administration for 14 cases
- Worked on defense strategies
- Successfully identify witnesses based on statements to testify at hearings and assist with witness preparation for depositions.
MANAGED REPAIR REPRESENTATIVE
PROGRESSIVE INSURANCE
02.2015 - 10.2015
- Built working relationships with various body shops in the Essex and Bergen County area
- Negotiated over 100 repair costs a month with auto body shops to bring vehicles back to pre-loss condition by completing accurate estimates, re-inspections and supplements with a focus on a quality repair and cost control
- Managed the vehicle repair process by accurately paying shops in accordance to damages solely related to the loss
- Completed Fraud research and analytics to reduce overpayment of claims.
CLAIMS GENERALIST II
PROGRESSIVE INSURANCE
04.2013 - 02.2015
- Successfully handle caseload of up to 250 commercial and personal line claims per month
- Consistently established contact with involved parties within 24 hours
- Settled collision claims promptly within the required time frame of 7 days
- Led in-depth interviews of medical specialists, agents, police, witnesses, insureds and claimants to compile information
- Provided hands on investigation of insurance policy coverage, determine fault in auto accidents, and document activity on each claim to resolve them as quickly and accurately as possible by interviewing insured's, claimants and witnesses
- Calculated and executed payment of claims and resolution of claims without payments based on case laws
- Reduced the value of total loss payments negotiating customer challenges to valuations, saving the insurer thousands of dollars.
CLAIMS GENERALIST
PROGRESSIVE INSURANCE & CASUALTY
10.2012 - 04.2013
- Provided excellent customer service by calling policy holders immediately following the report of a claim to educate them of the process
- Maintained diary to call policyholders concerning the progress of claim
- Confirmed coverage and full understanding of insurance contract/policy and their exclusions prior to remitting payment.
Education
Bachelors - Criminal Justice
Georgian Court University
2010
Skills
- Liability and Damage Assessment
- Settlement Negotiation
- Claims Investigations
- Coverage Determination
- Claims Evaluations
- Liability Determinations
Licenses
NY General Adjusters License
Timeline
CLAIMS EXAMINER|SEDGWICK
08.2021 - Current
SENIOR CLAIMS REPRESENTATIVE | CHUBB
03.2018 - 08.2021
CLAIMS REPRESENTATIVE
THE PORT AUTHORITY OF NY
01.2017 - 03.2018
PARALEGAL |THE PORT AUTHORITY OF NY&NJ
03.2016 - 01.2017
MANAGED REPAIR REPRESENTATIVE
PROGRESSIVE INSURANCE
02.2015 - 10.2015
CLAIMS GENERALIST II
PROGRESSIVE INSURANCE
04.2013 - 02.2015
CLAIMS GENERALIST
PROGRESSIVE INSURANCE & CASUALTY
10.2012 - 04.2013
Bachelors - Criminal Justice
Georgian Court University
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