LINDY A. BLANCHARD
Westpoint,IA
Summary
Dynamic Senior P&C claims professional with over 20 years of carrier-side, multi-line claims expertise in auto, property, and casualty sectors, covering both personal and commercial lines. Proven ability in complex liability analysis, litigation coordination, and high-stakes settlement negotiation on high-exposure files. Achieved 100% adjuster utilization of the CCC One platform within four weeks—50% faster than the industry standard—while serving as a key subject matter expert on the implementation team. Committed to delivering exceptional client satisfaction through meticulous attention to detail and advanced negotiation skills, ensuring policy compliance and favorable claims resolutions.
Overview
1
1
Certification
26
26
years of professional experience
Work History
Senior Auto Claims Adjuster — Technology Champion & Multi-Line SME
IMT Insurance
09.2015 - 05.2026
- Served as a key SME on the CCC One platform rollout, driving 100% adjuster utilization in 4 weeks across 25 adjusters — over 50% faster than the 8–12 week industry standard — covering requirements elicitation, workflow documentation, UAT coordination, and training through go-live.
- Enabled a smooth adjuster transition to a new AI-driven platform by serving as operational liaison for the HiMarley AI rollout, covering requirements elicitation, workflow documentation, UAT, and go-live training support.
- Resolved a high-volume book of multi-line commercial and personal claims — spanning auto, general liability, commercial property, homeowners, and specialty commercial coverages (Motor Truck Cargo, Truckers General Liability, Garage Keepers Liability, construction defects, and other endorsement-driven policies) — from FNOL through resolution, consistently beating first-payment cycle-time goals while holding among the lowest supplement rates on the team.
- Resolved claims at or below established reserves by managing the full APD and total-loss lifecycle — ACV determination, salvage, title processing, and settlement — across personal/commercial auto and specialty/inland marine assets.
- Reached defensible coverage positions on complex matters by independently drafting coverage position and reservation-of-rights (ROR) letters, interpreting policy language, exclusions, and endorsements, including lender-compliance.
- Conducted complex liability analysis and negotiated settlements on high-exposure casualty, injury, and property claims — with settlement authority up to $110,000 — coordinating defense counsel and reporting to excess/reinsurance carriers on litigated files; engaged engineers, contractors, cause-and-origin experts, etc.
- Drove recovery outcomes by overseeing TPA/independent adjusting firms and identifying SIU referrals, subrogation, and salvage opportunities as part of broader risk mitigation strategies.
- Contributed to onboarding and training documentation for coworkers and newly hired adjusters by applying an instructional design background to help standardize workflow guides.
- Provided direct production-environment insight on platform performance as a client-side Snapsheet user across the full adjuster team's licensed coordination workflows.
Managed Repair Representative (MRR) | Auto Damage Claims Adjuster
Progressive Insurance
06.2006 - 09.2015
- Directed the full auto-repair lifecycle from FNOL through settlement as Progressive's primary field point of contact — inspections, estimates, supplements, rental coordination — across an assigned territory of network and non-network shops.
- Controlled indemnity exposure by reviewing and negotiating supplement requests with body shop managers on repair pricing, parts, and labor, while flagging fraudulent billing patterns using deep parts/labor-rate expertise.
- Determined field total-loss/ACV valuations and managed salvage and title processing on total-loss vehicles.
- Handled CAT claims and casualty claims volume during regional catastrophe events, applying tort law and state-specific regulations to auto liability, property damage, and total-loss claims; drafted coverage communications; mentored junior adjusters on coverage analysis and Mitchell estimating.
Assistant Branch Manager
Enterprise Rent-A-Car
11.2004 - 06.2006
- Held profit and loss responsibility across three branches; led staff supervision, coaching, training of new employees, and fleet contract negotiation.
Instructional Training Designer
Carthage Veterinary Service
05.2003 - 11.2004
- Designed and produced professional instructional training videos for major pharmaceutical clients, focused on swine health and pharmaceutical application protocols.
- Applied instructional technology principles to translate complex veterinary and pharmaceutical content into clear, engaging training materials for diverse professional audiences.
- Managed full production lifecycle of training content from needs analysis and scripting through filming, editing, and final delivery to national pharmaceutical partners.
Logistics & Operations Coordinator
Arlington Plastics Machinery
10.2000 - 12.2001
- Coordinated carrier logistics and on-site equipment inspections.
Education
Associate in Claims - In Process -
The Institutes
Bachelor of Science - Instructional Technology & Telecommunications, Computer Science
Western Illinois University
Macomb, IL05-2003
Skills
- Claims & Communication: Snapsheet, CCC One, HiMarley AI
- Estimating & Appraisal: Mitchell, Xactimate/XactAnalysis, Audatex/Solera, Hover, EagleView, Encircle, Symbility/CoreLogic
- Valuation & Total Loss: CoPart, AutoSource/Mitchell Total Loss, NADA/KBB, CarFax/AutoCheck, JD Power and Associates
- Data, Research & Fraud: ISO/Verisk, I-CAR, NICB, CLUE/A-PLUS, LexisNexis Risk Solutions
- File Management: ImageRight, OnBase, SharePoint
- Productivity & Reporting: Microsoft Office, Adobe Acrobat, Google Workspace, Mondaycom, Teams, Zoom
- Relationship Building
- Customer Success
- Client Onboarding & Training
- Change Management & Platform Adoption
- Complex Claims Negotiation & Litigation Coordination
- Cross-Functional Collaboration & Stakeholder Management
Accomplishments
Drove 100% adjuster adoption of the CCC One platform in 4 weeks — less than half the 8–12 week industry standard — as the team's designated Platform Champion.
Served as operational liaison and subject matter expert during the HiMarley AI pilot rollout, bridging claims-floor workflow needs with platform implementation.
Built 20+ years of carrier-side claims expertise across auto, property, casualty, commercial, and marine lines, including independent field inspections (structural, roof, flood).
Certification
Pursuing the Associate in Claims (AIC) designation through The Institutes to formalize two decades of applied claims expertise.
Timeline
Senior Auto Claims Adjuster — Technology Champion & Multi-Line SME
IMT Insurance
09.2015 - 05.2026
Managed Repair Representative (MRR) | Auto Damage Claims Adjuster
Progressive Insurance
06.2006 - 09.2015
Assistant Branch Manager
Enterprise Rent-A-Car
11.2004 - 06.2006
Instructional Training Designer
Carthage Veterinary Service
05.2003 - 11.2004
Logistics & Operations Coordinator
Arlington Plastics Machinery
10.2000 - 12.2001
Bachelor of Science - Instructional Technology & Telecommunications, Computer Science
Western Illinois University
Associate in Claims - In Process -
The Institutes
Core competencies
- Claims Operations: Multi-line claims handling — personal & commercial auto, homeowners, commercial property, general & commercial liability (GL, CGL, BOP), inland marine, farm/agricultural, and specialty commercial coverages (Motor Truck Cargo & Truckers General Liability, Garage Keepers Liability, construction defects, and other endorsement-driven coverages)
- FNOL through resolution
- APD & total loss (ACV, salvage, title)
- CAT claims
- Reserve management
- Negotiation & Resolution: Settlement negotiation on high-exposure claims
- Liability investigation & analysis
- Litigation strategy support
- Subrogation & recovery negotiation
- Coverage & Risk: Coverage position, liability & ROR letters
- Policy interpretation
- Litigation monitoring & defense coordination
- Reinsurance reporting
- Lender compliance
- SIU referral, subrogation & salvage recovery
- Risk mitigation strategies
- TPA/Independent Adjuster oversight
- Platform & Training: Platform SME contributor (CCC One, HiMarley AI)
- UAT coordination
- Workflow documentation
- Coworker & new-hire training/onboarding design
- Instructional design