Krystal Goldman
Lakeland,FL
Summary
With 11 years of experience in personal auto insurance subrogation, I possess valuable expertise and have held various roles within the department. Prior to my transition into the auto insurance field, I dedicated several years to working with a medical billing and collections company, with a specific focus on durable medical equipment. My diverse background has equipped me with a comprehensive understanding of both the insurance and healthcare industries, enabling me to bring a unique perspective to any role I undertake.
Overview
16
16
years of professional experience
Work History
Liability Adjuster
United Automobile Insurance Company
Miami, FL
03.2025 - Current
- Identified fraudulent claims by conducting thorough investigations and coordinating with law enforcement agencies.
- Maintained organized records of claim files, streamlining future reference needs as well as improving overall departmental organization.
- Maintained compliance with state regulations by keeping up-to-date on laws and policies governing liability insurance.
- Coordinated with appraisers and estimators regarding property damage evaluations; this collaboration ensured accuracy in repair cost estimates.
- Reduced claim processing time through efficient investigation and documentation of claim details.
- Enhanced customer satisfaction by effectively managing liability claims and providing timely resolutions.
- Reviewed policy documents and endorsements, determining appropriate coverage levels for each claim scenario presented.
3rd Party Subrogation Adjuster
United Automobile Insurance Company
Miami, FL
12.2024 - 03.2025
- Maintained strong relationships with policyholders, agents, and colleagues by consistently demonstrating professionalism, empathy, and effective communication skills.
- Ensured compliance with state regulations and company policies through diligent review of all claim-related materials.
- Improved claim processing efficiency by conducting thorough investigations and promptly addressing discrepancies.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Negotiated fair settlements on behalf of the company for property damage claims while mitigating financial risk exposure.
Arbitration Panelist
GEICO
Lakeland, FL
07.2022 - 11.2024
- As a panelist I act as a neutral 3rd party to mediate personal auto liability and/or damage disputes between carriers in all states
- Thoroughly review all evidence provided to make a quality decision
- Strive to help the company meet the ratio requirements of Arbitration Forums
Arbitrator
GEICO
Lakeland, FL
11.2018 - 07.2022
- Handled liability disputes with adverse carriers or non payments of property damage demands
- Collected evidence to create and submit cases to Arbitration Forums
- Followed up with parties involved to keep them informed during the process
- Issued payments and followed up with adverse carriers for payment
Medpay Subrogation
GEICO
Lakeland, FL
11.2017 - 11.2018
- Sent, negotiated and settled medpay liens with adverse carriers and attorney's
- Established productive relationships with external partners such as attorneys, customers and other insurance adjusters
Payment Recovery Technician
GEICO
Lakeland, FL
01.2014 - 11.2017
- Gathered all information needed to create a subrogation demand or to submit one via Arbitration Forums and Maintained detailed documentation
- Kept paries involved informed of the status or any updates and issued payments for reimbursements
- Negotiated with adverse carriers to settle the property damage claim
Customer Service Representative
Geico
Lakeland, FL
10.2013 - 01.2014
- Answered costant flow of inbound calls to establish new claims, update or add information or answer inquiries
- Made out bound calls to gather more information, follow up or setup new claims with other carrier's
- Enhanced customer satisfaction by actively listening, promptly addressing concerns with empathy and providing accurate information
- Maintained current and detailed records of customer interactions, ensuring proper follow-up and resolution of issues
Collections Specialist
Rotech Health Care Inc
Lakeland, FL
10.2009 - 10.2013
- Worked with medical insurance companies to check the status of patients coverage, claims or to handle billing inaccuracies
- Improved customer payment compliance through negotiating mutually agreeable repayment plans
- Streamlined the collections process by creating and maintaining detailed records of customer account statuses and communications
- Cultivated a professional demeanor when dealing with difficult customers, displaying empathy while remaining assertive in achieving desired outcomes
Education
Medical Billing and Coding Specialist -
Florida Technical College
Lakeland, FL06.2009
High School Diploma -
Bartow Senior High School
Bartow, FL06.2007
Skills
- Analytical Thinking
- Interpersonal Skills
- Professional Demeanor
- Organizational Skills
- Reliability
- Continuous Improvement
- Communication
- Multitasking Abilities
- Professionalism
- Attention to Detail
License
Florida 6-20 All-Lines Adjuster
Timeline
Liability Adjuster
United Automobile Insurance Company
03.2025 - Current
3rd Party Subrogation Adjuster
United Automobile Insurance Company
12.2024 - 03.2025
Arbitration Panelist
GEICO
07.2022 - 11.2024
Arbitrator
GEICO
11.2018 - 07.2022
Medpay Subrogation
GEICO
11.2017 - 11.2018
Payment Recovery Technician
GEICO
01.2014 - 11.2017
Customer Service Representative
Geico
10.2013 - 01.2014
Collections Specialist
Rotech Health Care Inc
10.2009 - 10.2013
Medical Billing and Coding Specialist -
Florida Technical College
High School Diploma -
Bartow Senior High School