JASMINE HOBBS
Colorado Springs,CO
Summary
My objective is to provide my expertise in claim handling along with incorporating care and compassion through the process. I have 10 years of claims experience. Prior to that I handled claims 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
Property Claims Adjuster
Farmers
12.2022 - 11.2023
- 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
- Initiates the sale of personal property, and miscellaneous salvage items
- Reports theft, fraud, and arson losses as required to state and industry agencies
- Performs most duties on an individual basis, and work has a direct bearing on Management results
- Represents the Company from a public relations standpoint and must conduct oneself as a member of Management at all times
- Personal contacts are a major part of activity and include policyholders, claimants, agents, witnesses, repair facilities, contractors, police and fire departments, state and county fraud and arson personnel, special investigators, attorneys, expert witnesses, members of the medical profession and all other persons incident to the investigation and processing of claims
- Use claims handling software, a company car and laptop 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.
Sr. Claims Adjuster
Farmers
05.2021 - 12.2022
- CLAIMS ADJUSTER (BI, TOTAL LOSS, LIABILITY & SUBROGATION), 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
- Examined photographs and statements.
- 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.
Material Misrep. Coverage
National General Insurance Company
05.2018 - 05.2021
- 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.
Sr. Auto Property Damage Adjuster II
National General Insurance Company
03.2016 - 05.2018
- 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.
Total Loss Adjuster
National General Insurance Company
09.2015 - 03.2016
- 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.
Auto Claims Adjuster
Liberty Mutual
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.
Claims Support
United Auto Credit
01.2012 - 08.2012
- Gave instructions on what documents were required to endorse insurance checks
- Endorsed Insurance checks for repairs to vehicle that’s were financed through the company
- Applied payments to auto loan accounts
Escalation Specialist
Chase Auto Finance
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.
Arbitration Adjuster
Farmers Insurance
11.2023 - Current
- Responsible for assessing vehicle damage claims that are disputed between policyholders and insurance companies.
- Review evidence, such as repair estimates, photographs, and accident reports, to determine the extent of damage and the appropriate settlement amount.
- Utilize 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.
- Submits compelling, detailed oriented contentions to panelist as to why we are not either at fault and or why certain damages are not owed.
Education
Tyler Junior College
TXSkills
- Interview Claimants
- Subrogation Expertise
- Manage Settlements
- Advanced oral and written communication skills
- Insurance policy coverage knowledge
- Claims Investigation
Timeline
Arbitration Adjuster
Farmers Insurance
11.2023 - Current
Property Claims Adjuster
Farmers
12.2022 - 11.2023
Sr. Claims Adjuster
Farmers
05.2021 - 12.2022
Material Misrep. Coverage
National General Insurance Company
05.2018 - 05.2021
Sr. Auto Property Damage Adjuster II
National General Insurance Company
03.2016 - 05.2018
Total Loss Adjuster
National General Insurance Company
09.2015 - 03.2016
Auto Claims Adjuster
Liberty Mutual
08.2012 - 09.2015
Claims Support
United Auto Credit
01.2012 - 08.2012
Escalation Specialist
Chase Auto Finance
01.2010 - 01.2012
Tyler Junior College