Elner Gray

• Assessed customer needs and provided appropriate insurance solutions.
• Advised customers on best practices for filing claims and resolving disputes.
• Ensured compliance with state regulations regarding auto insurance policies.
• Provided detailed explanations of coverages, exclusions, limits, and other policy provisions.
• Researched customer inquiries about billing discrepancies or coverage questions.
• Maintained accurate records of customer interactions including notes on conversations and changes made to accounts.
• Participated in continuing education courses related to auto insurance products.
• Analyzed data from various sources such as credit reports or motor vehicle records when preparing risk assessments for clients.
• Followed up regularly with customers regarding their policies or any outstanding issues they may have had.
• Adhered to all company guidelines relating to ethical standards when working with customers.
• Provided assistance in resolving complaints filed by customers against the company.
• Served as a resource for colleagues who were unfamiliar with certain aspects of auto insurance products.
• Increased sales through consultative sales approach and focused relationship building with new and existing policy holders.
• Explained coverage options to potential policyholders, answering questions or concerns.
• Researched and analyzed beneficial insurance and investment options and made recommendations to clients.
• Exceeded company sales goals for new policies.
• Upsold products to policyholders and potential new clients.

· Examined and interpret insureds’ policies, forms in force, and other records.

· Used varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documents.

· Estimated cost of repair, replacement, or compensation

· Prepared settlement letters, denial letters, Reservation of Rights, and other letters as needed.

• Evaluated and negotiated settlements of automobiles firsts and third party physical damage claims within established settlement authority limits
• Negotiated any excessive storage charges
• Analyzed information obtained to establish compliance for regulatory requirements and settlement value
• Key Function: Claims liaison
• Explained procedures and answered inquiries for adjusting auto total loss claims
• Met all quality standards and expectations based off acceptance’s best practices and complies with state specific regulations
• Possessed strong customer service skills and behaviors
• Made decisions in an informed, confident, and timely manner
• Maintained constructive working relationships despite differing perspectives
• Other duties as assigned

• Evaluated and negotiated settlement of automobile first and third party physical damage claims within established settlement authority limits
• Negotiated any excessive storage charges
• Analyzed information obtained to establish compliance for regulatory requirements and settlement value

Key Function: Claims liaison

• Explained procedures and answered inquiries for adjusting auto total loss claims
• Met all quality standards and expectations based off Acceptance’s best practices and complies with state specific regulations
• Possessed strong customer service skills and behaviors
• Made decisions in an informed, confident, and timely manner
• Maintained constructive working relationships despite differing perspectives
• Other duties as assigned

• Investigated property damage claims to determine coverage and liability.
• Conducted field investigations, interviews, inspections, and surveys.
• Evaluated policy provisions, applicable laws, and other relevant information to determine claim payments or denials.
• Assessed the value of damaged items based on market trends and depreciation factors.
• Negotiated settlements with claimants to resolve disputes.
• Analyzed claim data such as photographs, diagrams, witness statements, and police reports.
• Examined estimates of repair costs for vehicles or buildings.
• Provided guidance to claimants regarding the claims process and documentation needed for payment processing.
• Documented all activities related to a claim such as conversations with claimants or insurance representatives.
• Ensured compliance with state regulations governing property damage insurance claims practices.
• Maintained accurate records of all claims files including notes from meetings, correspondence sent and received.
• Reviewed contracts related to insured properties for language related to coverage limits.

• Investigated property damage claims to determine coverage and liability.
• Conducted field investigations, interviews, inspections, and surveys.
• Evaluated policy provisions, applicable laws, and other relevant information to determine claim payments or denials.
• Examined estimates of repair costs for vehicles or buildings.
• Negotiated settlements with claimants to resolve disputes.
• Prepared detailed written reports outlining investigation results.
• Communicated with customers via phone or email to update them on their claims status or answer questions they may have had.
• Provided guidance to claimants regarding the claims process and documentation needed for payment processing.
• Reviewed contracts related to insured properties for language related to coverage limits.
• Recommended changes in procedures that would improve efficiency in the claims process.
• Maintained accurate records of all claims files including notes from meetings, correspondence sent and received.
• Adhered to company policies and procedures when handling claims.
• Resolved complex issues related to multiple parties involved in a single claim situation.
• Ensured compliance with state regulations governing property damage insurance claims practices.
• Organized large volumes of paperwork associated with each claim file.
• Attended training sessions periodically for continuing education credits.
• Documented all activities related to a claim such as conversations with claimants or insurance representatives.
• Assessed the value of damaged items based on market trends and depreciation factors.
• Analyzed claim data such as photographs, diagrams, witness statements, and police reports.

• Investigated and analyzed auto insurance claims to determine validity, accuracy, and coverage.
• Determined liability based on facts gathered from investigations.
• Researched applicable laws related to automobile accidents or losses.
• Prepared detailed reports summarizing all aspects of the claims process.
• Reviewed previous claims for possible fraud or misrepresentation of facts.
• Established relationships with attorneys, medical providers and other service providers who assist in the resolution of claims.
• Processed payments according to terms outlined in policy contracts.
• Attended continuing education seminars to stay abreast of changes in the field.
• Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
• Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.
• Communicate with [Number] team members, policyholders, claimants and witnesses by telephone, email and written correspondence to gather facts of loss to aid in claim resolution.
• Coordinated benefits while applying applicable deductibles, co-insurance and out-of-pocket costs.
• Provide customer support to members, providers, billing departments and other insurance agency's regarding claims, appeals and eligibility.
• Coordinate benefits while applying applicable deductibles, co-insurance and out of pocket costs.
• Coordinated direct repair assignments with local body shops and rental vehicles during restoration processes.
• Determined salvage value for total-loss vehicles.
• Resolved repair cost inquiries, consulting with various appraisers for second opinions to resolve disagreements.

• Investigated and analyzed auto insurance claims to determine validity, accuracy, and coverage.
• Assessed damages to vehicles and property resulting from a variety of incidents.
• Negotiated settlements with claimants when appropriate.
• Prepared detailed reports summarizing all aspects of the claims process.
• Reviewed previous claims for possible fraud or misrepresentation of facts.
• Evaluated repair estimates for reasonableness and accuracy prior to authorizing repairs.
• Attended continuing education seminars to stay abreast of changes in the field.
• Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
• Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.

• Managed a team of 15+ Claims Adjusters to ensure accurate and timely handling of all Property Claims.
• Developed and implemented strategies for processing complex claims in order to maximize customer satisfaction.
• Conducted investigations, performed site inspections, and evaluated damages to determine the best resolution for each claim.
• Advised customers on the status of their claims and kept them informed throughout the process.
• Reviewed, analyzed, and processed settlements based on policy coverage and applicable state laws.
• Ensured compliance with departmental policies, procedures, standards, and regulations.
• Negotiated with contractors or other third parties as needed to reach mutually beneficial agreements regarding property damage repairs or replacements.
• Assisted new adjusters in developing their skills by providing guidance on proper claim handling techniques.
• Attended continuing education seminars on topics related to Property Claims management.
• Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.

• Determined if claims were valid according to established rules and regulations.
• Investigated inconsistencies in documentation or reports obtained from third parties.
• Evaluated eligibility for benefits based on analysis of case facts and application of applicable laws.
• Recommended appropriate actions based on review findings including denial or approval of benefits payments.
• Resolved customer inquiries regarding claims status in a timely manner.

• Reviewed and analyzed claims to ensure accuracy of information, completeness of medical records, and compliance with policy terms.
• Determined if claims were valid according to established rules and regulations.
• Prepared detailed reports outlining all pertinent case information used in making decisions regarding payment of benefits.

• Investigated insurance claims, reviewed coverage and liability, prepared reports and recommended payment or denial of claims.
• Analyzed facts of loss including photographs, diagrams and other evidence to identify potential sources of recovery.
• Utilized computer systems such as Microsoft Office Suite and specialized software programs used by the company.