Keeoka Smith
Summary
Dynamic insurance claims professional with over 15 years of experience managing complex claims, negotiating settlements, and ensuring compliance with insurance regulations across multiple states. Proficient in liability assessment, subrogation, and policy interpretation with a proven ability to streamline processes and mentor teams. Skilled in leadership, diversity initiatives, and client relations, with a strong focus on achieving equitable outcomes while minimizing litigation risks.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Uninsured/Underinsured Motorist Specialist
Allstate Insurance
09.2022 - Current
- Negotiate and settle complex claims involving multiple claimants, maintaining compliance with policy guidelines
- Conduct detailed policy evaluations and effectively explain minimum coverage limits to claimants
- Research and respond to Department of Insurance complaints, ensuring accurate and timely resolutions
- Maintain comprehensive documentation of claim files, evaluations, and decision-making processes
Account Manager
Peninsula Insurance Bureau
03.2022 - 09.2022
- Delivered exceptional service to policyholders, agents, and underwriters on commercial and general liability claims
- Reviewed and processed adjusting reports, invoices, and coverage requests within authority levels
- Prepared detailed reports for underwriters, ensuring accurate communication on high-value cases
- Collaborated with London clients on over-authority reports and claim settlements
Subrogation Specialist
Maryland Auto Insurance
04.2021 - 03.2022
- Investigated claims to identify reimbursement opportunities and pursued subrogation against liable parties
- Liaised with attorneys and insurance carriers to negotiate settlements and resolve disputes
- Maintained meticulous case files and prepared legal documents for recovery claims
- Coordinated payment accounting and provided regular updates to stakeholders
Senior Casualty Claims Representative
Maryland Auto Insurance
12.2018 - 03.2021
- Evaluated medical data to determine liability and negotiate settlements with attorneys and claimants
- Oversaw litigation processes for active suit files, including attending mediations and pre-trial conferences
- Assisted in training and mentoring junior team members, enhancing departmental efficiency
Claims Examiner
Optimal Solutions & Technologies
10.2017 - 11.2018
- Reviewed and processed claims and appeals for FEMA’s National Flood Insurance Program (NFIP)
- Drafted correspondence for inquiries and appeals, ensuring timely and accurate responses
- Maintained and updated status notes in SharePoint, enhancing communication with stakeholders
Senior Injury Claims Representative
Star & Shield Insurance
02.2014 - 09.2017
- Managed claims for public safety professionals, evaluating liability and negotiating settlements
- Communicated with policyholders and coordinated inspections for potential fraud investigations
Claims Representative
State Farm Insurance
09.2007 - 02.2014
- Conducted comprehensive investigations of claims, including interviews and document reviews
- Balanced heavy caseloads while meeting deadlines and maintaining quality
- Resolved claims within authority levels, ensuring customer satisfaction and compliance
Education
Micro-Certification - Management & Leadership Series
Louisiana State University
06.2024
Certification -
McKinsey Leadership Essentials Program
05.2024
Bachelor - Human Performance
University of Southern Mississippi
12.2004
Internship - Merchantainment
Walt Disney College Program
05.2004
Skills
- Claims Management: Negotiation, Subrogation, Policy Interpretation
- Technical Proficiency: Microsoft Office Suite, SharePoint
- Leadership & Mentorship: Team Training, Project Management
- Regulatory Compliance: Department of Insurance Investigations, Legal Documentation
- Diversity Initiatives: EEO Officer, Inclusion Champion
Certification
- Licensed Insurance Adjuster: Florida, Michigan, Nevada, Louisiana, Indiana, Georgia, Alabama, Mississippi, New Mexico, Texas
- Expertise in claims handling across Florida, Georgia, Maryland, South Carolina, Virginia, Texas, and California
Timeline
Uninsured/Underinsured Motorist Specialist
Allstate Insurance
09.2022 - Current
Account Manager
Peninsula Insurance Bureau
03.2022 - 09.2022
Subrogation Specialist
Maryland Auto Insurance
04.2021 - 03.2022
Senior Casualty Claims Representative
Maryland Auto Insurance
12.2018 - 03.2021
Claims Examiner
Optimal Solutions & Technologies
10.2017 - 11.2018
Senior Injury Claims Representative
Star & Shield Insurance
02.2014 - 09.2017
Claims Representative
State Farm Insurance
09.2007 - 02.2014
Bachelor - Human Performance
University of Southern Mississippi
Internship - Merchantainment
Walt Disney College Program
Micro-Certification - Management & Leadership Series
Louisiana State University
Certification -
McKinsey Leadership Essentials Program
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