Jonnell Smith
McKinney,TX
Summary
Bodily Injury Claims Adjuster with expertise in claims investigation and negotiation, specializing in litigation support. Demonstrated success in reducing loss ratios through effective conflict resolution and superior customer service. Proficient in analyzing complex claims and ensuring compliance with regulations, consistently delivering favorable outcomes for clients. Strong commitment to ethical judgment and achieving equitable settlements.
Overview
6
6
years of professional experience
Work History
Bodily Injury Claims Adjuster
State Farm
Richardson, TX
01.2023 - Current
- Calculated and authorized payment of claims within designated authority level.
- Investigated liability issues related to bodily injury claims.
- Actively sought out new sources of information which could be used to support a claim decision.
- Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Analyzed information gathered by investigations and reported findings and recommendations.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Maintained detailed documentation regarding all activities related to each claim file.
- Verified liability extent with reviews of police reports, medical treatment histories and other records.
- Managed caseload effectively, prioritizing urgent or high-value claims for prompt attention.
- Investigated and evaluated property and casualty insurance claims to determine coverage and liability.
- Reduced loss ratios through fair and prompt processing of claims.
- Ensured compliance with applicable regulations governing the processing of bodily injury claims.
- Assisted in fraud detection and prevention efforts by identifying suspicious claim activities.
- Gathered information from various third parties to determine claim acceptability.
- Investigated and assessed property damage.
- Completed required investigations on referred files within established timeframes.
- Conducted witness interviews to assist claim information gathering process.
- Participated in training and mentoring of new claims adjusters, sharing knowledge and expertise.
- Decided whether claims can be negotiated.
- Negotiated settlement of claims with claimants and attorneys to ensure fair outcomes.
- Investigated properties, classified damages and created estimates outlining repair costs.
- Collaborated with colleagues within the department to ensure that all deadlines were met.
- Analyzed and determined fault in auto accidents based on evidence and applicable laws.
- Resolved claim disputes through mediation and negotiation, minimizing the need for litigation.
Insurance Claims Specialist
State Farm
Richardson, TX
08.2019 - 01.2023
- Resolved customer complaints related to insurance claim processing.
- Processed claims for payment or forwarded to appropriate personnel for further investigation
- Provided guidance to customers regarding their rights and obligations under the insurance policies.
- Examined automobile policies with third-party liability, accident benefits, and collision benefits.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
Associate of Arts - Life Coach
Eagle's Elite Christian University
Raleigh, NC02-2025
Associate of Science - Criminal Justice
ITT Technical Institute
Madison, MS04-2003
Skills
- Customer service
- Claims investigation
- Negotiation techniques
- Regulatory compliance
- Conflict resolution
- Critical thinking
- Active listening
- Time management
- Case management
- Medical records analysis
- Evidence collection
- Coverage determination
- Auto damage estimation
- Exposure analysis
- Insurance policy coverage expertise
- Claimant Interviewing
- Investigation techniques
- Insurance policy coverage knowledge
- Multitasking Abilities
- Denied claims identification
- Decision-making skills
- Casualty and property loss
- Interpersonal skills
- Complex Problem-solving
- Ethical judgment
- Settlement negotiation
- Litigation resolution
- Legal compliance
- Evaluation
- Liability analysis
- Claims negotiation
- Analytical thinking
- Claims resolution
- Examine medical records to determine the mechanism of injury, type and length of treatment that is necessary
- Member of Operational Health Risk team
- Member of settlement negotiation conference team
M
References
References available upon request.
Timeline
Bodily Injury Claims Adjuster
State Farm
01.2023 - Current
Insurance Claims Specialist
State Farm
08.2019 - 01.2023
Associate of Arts - Life Coach
Eagle's Elite Christian University
Associate of Science - Criminal Justice
ITT Technical Institute