Jason Hinojos
El Paso
Overview
22
22
years of professional experience
Work History
Appriser
Advanced Auto Collision
El paso
09.2004 - Current
- Prepared detailed appraisal reports for client review and approval.
- Evaluated vehicle damage and determined repair costs for insurance claims.
- Inspected vehicles thoroughly to identify hidden damages.
- Collaborated with technicians to assess repair needs and timelines.
- Communicated effectively with clients regarding appraisal findings and processes.
- Maintained accurate records of appraisals and associated documentation.
Auto Field Adjuster
Allstate Insurance Co
el paso
07.2010 - 10.2018
- Evaluated insurance claims for auto damage and liability assessments.
- Collaborated with repair shops to determine vehicle repair estimates.
- Inspected vehicles to document damages and assess repair needs.
- Communicated with clients to explain coverage and claims processes.
- Managed claim files and ensured proper documentation compliance.
- Coordinated with legal teams on complex claims and disputes.
- Conducted field visits to verify damages and gather evidence.
- Educated policyholders on coverage options and claims procedures.
- Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
- Negotiated total loss settlements by reasonably applying company estimates to benefit both client and company needs.
- Performed routine quality assurance audits to promote data integrity.
- Reviewed files, records, and other obtained documents to respond to customer requests.
- Determined the cause of loss or damage by inspecting vehicle components including tires, brakes, suspension, engine parts.
- Assessed legal liability when applicable in order to resolve disputes between parties involved in an accident.
- Performed follow-up calls after repairs have been completed in order to verify customer satisfaction.
- Evaluated insurance claims for accuracy and completeness.
- Resolved customer complaints quickly and efficiently while maintaining a professional demeanor.
- Maintained detailed records of all claim activities such as investigations, inspections, negotiations and settlements.
- Actively monitored changes within the automotive industry that could affect the organization's operations.
- Developed relationships with local auto body shops in order to negotiate competitive rates for repairs.
- Reviewed estimates, invoices, photographs, and other relevant documents related to auto claims.
- Identified fraudulent activity associated with auto insurance claims.
- Conducted investigations and surveyed damages to assess repair needs damage to vehicles in order to assess repair costs.
- Processed and negotiated settlements with claimants and insured parties.
- Provided field inspections of damaged automobiles prior to repairs being made.
- Traveled throughout assigned territory conducting onsite visits at garages, dealerships, salvage yards.
- Communicated effectively with customers regarding policy coverage issues and claims status updates.
- Adhered strictly to company guidelines when making decisions regarding claim evaluations.
- Conducted comprehensive research on previous cases in order to ensure fair settlement amounts were determined.
- Attended continuing education classes in order to remain up-to-date on industry trends and regulations.
- Analyzed cost estimates for repair work submitted by body shops or vendors.
- Generated reports outlining details of each investigation for review by management personnel.
- Researched and verified insurance policy coverage.
- Coordinated benefits while applying applicable deductibles, co-insurance and out of pocket costs.
Auto Field Adjuster
Fred Loya Insurance Company
el paso
07.2010 - 10.2014
- Evaluated insurance claims for auto damage and liability assessments.
- Collaborated with repair shops to determine vehicle repair estimates.
- Inspected vehicles to document damages and assess repair needs.
- Communicated with clients to explain coverage and claims processes.
- Managed claim files and ensured proper documentation compliance.
- Coordinated with legal teams on complex claims and disputes.
- Conducted field visits to verify damages and gather evidence.
- Educated policyholders on coverage options and claims procedures.
- Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
- Negotiated total loss settlements by reasonably applying company estimates to benefit both client and company needs.
- Performed routine quality assurance audits to promote data integrity.
- Reviewed files, records, and other obtained documents to respond to customer requests.
- Assessed legal liability when applicable in order to resolve disputes between parties involved in an accident.
- Determined the cause of loss or damage by inspecting vehicle components including tires, brakes, suspension, engine parts.
- Evaluated insurance claims for accuracy and completeness.
- Performed follow-up calls after repairs have been completed in order to verify customer satisfaction.
- Resolved customer complaints quickly and efficiently while maintaining a professional demeanor.
- Actively monitored changes within the automotive industry that could affect the organization's operations.
- Developed relationships with local auto body shops in order to negotiate competitive rates for repairs.
- Reviewed estimates, invoices, photographs, and other relevant documents related to auto claims.
- Identified fraudulent activity associated with auto insurance claims when necessary.
- Investigated and surveyed damage to vehicles in order to assess repair costs.
- Processed and negotiated settlements with claimants and insured parties.
- Traveled throughout assigned territory conducting onsite visits at garages, dealerships, salvage yards.
- Provided field inspections of damaged automobiles prior to repairs being made.
- Communicated effectively with customers regarding policy coverage issues and claims status updates.
- Adhered strictly to company guidelines when making decisions regarding claim evaluations.
- Attended continuing education classes in order to remain up-to-date on industry trends and regulations.
- Analyzed cost estimates for repair work submitted by body shops or vendors.
- Generated reports outlining details of each investigation for review by management personnel.
- Researched and verified insurance policy coverage.
- Coordinate benefits while applying applicable deductibles, co-insurance and out of pocket costs.
- Conducted comprehensive research on previous cases in order to ensure fair settlement amounts were determined.
- Presented claims to insurance companies.
- Evaluated extent of damage and documented findings.
- Maintain quality standards by reviewing claims while working off project list.
- Provide customer support to members, providers, billing departments and other insurance agency's regarding claims, appeals and eligibility.
- Utilized resources and prior experience in industry to determine if claims should be approved for payment or denied.
- Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.
- Provided evidence leading to recovery of insurance overpayments.
- Reviews and adjusts claims by claim processing guidelines.
- Investigated auto accident claims to determine liability and coverage.
- Trained new claims adjusters on company policies, procedures, and best practices in claims handling.
- Developed and maintained professional relationships with external partners, including tow companies and rental agencies.
- Conducted in-person and remote assessments of vehicle damages for accurate claim valuation.
- Coordinated with body shops and repair professionals to validate repair costs and methods.
- Utilized claims software and databases for tracking and managing active claims.
- Documented all claim activities thoroughly in company systems for audit and compliance purposes.
- Analyzed claim trends to identify potential fraud and took appropriate investigative actions.
- Communicated effectively with policyholders, explaining claim processes and decisions clearly.
- Participated in claims review meetings, presenting cases and justifying decisions.
- Provided exceptional customer service, addressing concerns and questions promptly.
- Negotiated settlements with claimants and attorneys to resolve claims efficiently.
- Identified and pursued subrogation opportunities to recover claim costs.
- Managed workload to ensure timely follow-up and resolution of all assigned claims.
- Ensured compliance with internal controls, policies, and procedures in the handling of claims.
- Collaborated with medical professionals to assess injury claims and determine settlement amounts.
- Reviewed policies to determine appropriate levels of coverage and assist with approval or denial decisions.
- Reviewed and interpreted police reports and witness statements to establish facts of claims.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Reviewed police reports, medical treatment records, medical bills and physical property damage to determine extent of liability.
- Input claim information and payments into company database.
- Investigated potentially fraudulent claims with focus on thoroughness, quality, and cost control.
- Analyzed information gathered by investigations and reported findings and recommendations.
- Reduced loss ratios through fair and prompt processing of claims.
- Discussed current cases and issues in claim committee meetings.
- Gathered and documented evidence to support court proceedings.
- Communicated with reinsurance brokers to obtain claim information for processing.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
Education
Vale National School of Estimating
Dallas, TX06-2005
High School Diploma -
Riverside High School
El Paso 05-2003
I-CAR
EL PASO Skills
- Vehicle inspection
- Appraisal reporting
- Damage assessment
- Claims negotiation
- Customer relationship management
- Quality assurance auditing
- Problem solving
- Team collaboration
- Professional networking
Timeline
Auto Field Adjuster
Allstate Insurance Co
07.2010 - 10.2018
Auto Field Adjuster
Fred Loya Insurance Company
07.2010 - 10.2014
Appriser
Advanced Auto Collision
09.2004 - Current
Vale National School of Estimating
High School Diploma -
Riverside High School
I-CAR