Kanethia Spencer
VIKING CLIENT SERVICES
Garland,TX
9
years of professional experience
Results-driven Insurance Claims Professional with over 7 years of experience specializing in auto injury, total loss, and subrogation claims. Proven track record of conducting thorough investigations, accurately evaluating property damage, and negotiating fair settlements. Adept at navigating complex policies, state regulations, and legal correspondences while maintaining high customer satisfaction and strong cross-functional partnerships.
Work History
Hertz Damage Recovery Specialist
1 Year- Investigate, evaluate, and pursue recovery for property damage claims involving rental vehicles.
- Negotiate settlements with insurance carriers, third-party claimants, and legal representatives.
- Review repair estimates, rental agreements, and police reports to validate damage claims and maximize recovery outcomes.
Total Loss Claim Specialist
1 Year 9 Months- Investigated, evaluated, negotiated, and settled complex total loss claims efficiently.
- Verified coverage and assessed the extent of damages by contacting insureds and claimants via telephone, email, and digital media.
- Applied deep knowledge of policy endorsements, state laws, statutes, and insurance regulations to determine property damage validity.
- Prepared and reviewed written computerized loss settlement estimates utilizing CCC software.
- Facilitated necessary legal paperwork to properly brand titles for salvage and resolved complex titling issues within scope.
- Identified NICB fraud indicators and successfully routed suspicious claims to the internal Special Investigations Unit (SIU).
- Partnered with management regarding the retention of outside investigative agencies and external vendors.
- Mentored and provided technical guidance and instructions to junior Claim Associates and Specialists.
Auto Injury Claim Associate
3 Years 10 Months- Delivered an exceptional customer experience while managing and resolving active claims involving bodily injury and property damage.
- Collaborated directly with attorneys and paralegals to handle Letters of Representation (LOR), demands, and release documents.
- Reviewed, approved, and authorized payments for vehicle repair estimates in cooperation with automotive repair shops.
- Utilized advanced knowledge of automotive repair methods, parts, and medical terminology to evaluate injury severity and excess exposures.
- Assisted Claim Specialists by coordinating with external partners for social media sweeps, accident scene photography, and claimant activity reports.
- Recognized high-exposure or fraudulent indicators and referred claims to Subrogation, SIU, or Total Loss units as appropriate.
Sales Associate & Account Manager
1 Year 11 Months- Marketed and sold Auto, Home, Commercial, and Business Owners insurance policies to meet retention and profitability goals.
- Performed first-level underwriting by reviewing insurance applications and scheduling property inspections.
- Processed policy endorsements, managed accounts, and handled customer premium payments.
- Cross-sold Life Insurance and supplemental Allstate benefits to existing policyholders.
- Trained and onboarded new agency employees on system processes and sales techniques.
Education
Bachelor of Arts - Business Administration Studies
Skills
Bodily Injury & UM/UIM Claims
Claim Investigation & Evaluation
Contract Negotiation & Settlements
State Insurance Laws & Regulations
CCC Estimation Software
Cross-Functional Collaboration
Critical Thinking & Problem Solving
Time Management & Multi-Tasking
Timeline
Hertz Damage Recovery Specialist
VIKING CLIENT SERVICES
07.2025 - CurrentRead More
Total Loss Claim Specialist
STATE FARM
04.2023 - 01.2025Read More
Auto Injury Claim Associate
STATE FARM
06.2019 - 04.2023Read More
Sales Associate & Account Manager
ALLSTATE – TEXAS WHITAKER GROUP
07.2017 - 06.2019Read More
Huston-Tillotson University
Bachelor of Arts from Business Administration Studies
Read More