JASMINE HOBBS
Dallas,TX
Summary
My objective is to provide my expertise along with incorporating care and compassion through the process. I have over a decade of claims experience. Prior to that I provided claim support on the lien holder side for approximately 7 months. I have the skills and capability of delivering expertise when handling claims to the customer's satisfaction along with the company. I have the capability of being efficient even with larger workloads which demands multi-tasking.
Overview
15
15
years of professional experience
Work History
FARMERS
Arbitration Adjuster
05.2021 - Current
- An insurance auto damage arbitration adjuster is responsible for assessing vehicle damage and liability claims that are disputed between insurance companies.
- Reviewed evidence, such as repair estimates, photographs, and accident reports, to determine the extent of damage and the appropriate settlement amount.
- Utilized my strong analytical skills, knowledge of insurance policies and regulations, and effective communication abilities to navigate complex situations and ensure fair outcomes for all parties involved.
- Accomplished in collecting supporting information, drafting and reporting comprehensive documentation and leading agreements to resolve complex problems.
- Responds to 35 arbitration disputes weekly.
- Processes 40+ arbitration decisions weekly
FARMERS
Property Claims Adjuster
- Investigates, confirms coverage, determines liability, establishes damages, reports status and negotiates the settlement of assigned cases (has authority to make payment of assigned claims within prescribed limits)
- Inspects damaged property, and determines claims related damage
- Determines and reports on subrogation potential
- Reports theft, fraud, and arson losses as required to state and industry agencies
- Exercised proper judgment and decision making to analyze over 50 claims per week.
- Enhanced customer satisfaction with prompt communication and consistent follow-up on claim status updates.
- Use claims handling software to determine claims related damage and write estimates in a paperless environment
- Use strong customer service skills to negotiate with policyholders to settle the claim.
FARMERS
Sr. Claims Adjuster-BI, Total Loss, Liability, Sub
- Analyzes and evaluates injury causation for all alleged injuries
- Evaluates bodily injury claims early and throughout the life of the claim including assessment of medical damages, wage loss, and general damages
- Negotiates settlement of bodily injury claims directly with unrepresented claimants
- Secures signed release of claims and issues payment upon final settlement
- Assess compensability, and negotiate settlements with policyholders and claimants
- Interviewed claimants and witnesses to gather factual information.
- Investigated and processed auto and bodily injury insurance claims for policyholders.
- Consulted police and hospital records when needed.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
- Obtain information and maintain records of accidents or personal property losses for policyholders and claimants through telephone and written reports
- Arrange appraisals, review appraisal reports and communicate with policyholders, claimants, physicians, medical providers, attorneys and repair shops
- Secure essential facts about accidents, assess liability and compensability, negotiate settlements and explain denials to policyholders and claimants.
- Volunteered as a liaison between the appraisers and adjusters to help streamline the claims process
NATIONAL GENERAL INSURANCE
Total Loss Adjuster
09.2015 - 05.2021
- Assess compensability, and negotiate settlements with policyholders and claimants
- Obtain information and maintain records of accidents or personal property losses for policyholders and claimants through telephone and written reports
- Arrange appraisals, review appraisal reports and communicate with policyholders, claimants, physicians, medical providers, attorneys and repair shops
- Secure essential facts about accidents, assess liability and compensability, negotiate settlements and explain denials to policyholders and claimants.
NATIONAL GENERAL INSURANCE
Sr. Auto Property Damage Adjuster II
- Obtain information and maintain records of accidents or personal property losses for policyholders and claimants through telephone and written reports
- Arrange appraisals, review appraisal reports and communicate with policyholders, claimants, physicians, medical providers, attorneys and repair shops
- Secure essential facts about accidents, assess liability and explain denials to policyholders and claimants.
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
- Trained other claims staff members on proper handling and evaluation of claims.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- Assisted my supervisor with tasks such as returning escalated calls, running daily reports and load leveling to ensure the team received an even number of claims.
NATIONAL GENERAL INSURANCE
Material Misrep. Coverage Adjuster
- Adjuster - DIRECT GENERAL/ National General Insurance, Investigate coverage by Obtaining information from police reports, recorded statements, to ensure policies aren't misrepresented at time of inception
- Review policy language to ensure the applicable coverage is applied based on the policy agreement.
- Examined claims forms and other records to determine insurance coverage.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
- Evaluated insurance policies and analyzed damages to determine coverage.
- Documented all investigation activity and presented reports to management.
- Substantiated legitimate claims and denied unjustified claims.
- Mitigated risks and increased profitability with well-developed strategies for reducing future claims and costs.
- Interviewed agents and claimants to correct errors or omissions and investigate questionable claims.
- Reviewed and analyzed suspicious and potentially fraudulent insurance claims.
LIBERTY MUTUAL
Auto Claims Adjuster
08.2012 - 09.2015
- Obtain information and maintain records of accidents or personal property losses for policyholders and claimants through telephone and written reports
- Arrange appraisals, review appraisal reports and communicate with policyholders, claimants, physicians, medical providers, attorneys and repair shops
- Secure essential facts about accidents, assess liability and compensability, negotiate settlements and explain denials to policyholders and claimants.
UNITED AUTO CREDIT
Claims Support
01.2012 - 08.2012
- Gave instructions on what documents were required to endorse insurance checks
- Endorsed Insurance checks for repairs to vehicles that were financed through the company
- Applied payments to auto loan accounts
- Assisted in training new Claims Support Representatives, sharing knowledge of best practices and company procedures.
CHASE AUTO FINANCE
Escalation Specialist
01.2010 - 01.2012
- I handled all escalated calls that could not be handled by the front end representatives
- De-escalated customer's complaints and resolved issues in a timely manner by monitoring, scheduling and following up with customers
- Also assisted with the auto loan account information such as account balance details, address changes, title information, due date changes and extension qualifications.
Education
Skills
- Interview Claimants
- Liability
- Subrogation Expertise
- Detailed oriented
- Manage Settlements
- Problem-solving abilities
- Time Management
- Teamwork and Collaboration
Timeline
FARMERS
Arbitration Adjuster
05.2021 - Current
NATIONAL GENERAL INSURANCE
Total Loss Adjuster
09.2015 - 05.2021
LIBERTY MUTUAL
Auto Claims Adjuster
08.2012 - 09.2015
UNITED AUTO CREDIT
Claims Support
01.2012 - 08.2012
CHASE AUTO FINANCE
Escalation Specialist
01.2010 - 01.2012
FARMERS
Property Claims Adjuster
FARMERS
Sr. Claims Adjuster-BI, Total Loss, Liability, Sub
NATIONAL GENERAL INSURANCE
Sr. Auto Property Damage Adjuster II
NATIONAL GENERAL INSURANCE
Material Misrep. Coverage Adjuster