Lontreia Thomas
Little Elm,TX
Summary
Ethical Auto Claims Adjuster with excellent customer service skills to take on multiple cases while meeting strict deadlines. Adept at determining the level of loss for auto claims cases and deciding on a fair compensation for clients. Strong organizational and communication traits.
Overview
7
7
years of professional experience
1
1
year of post-secondary education
Work History
Auto Claims Adjuster
GEICO
Richardson, TX
08.2020 - 10.2022
- Negotiated with claimants to settle claims.
- Examined photographs and surveillance and any other documents relating to claims.
- Issued payouts to claimants.
- Documented all findings in concise reports.
- Evaluated and investigated over 5000 auto claims in 2020 and decided whether insurer should pay claim.
- Enhanced customer satisfaction by delivering honest advice to policyholders in regards to repair work and body shop processes.
- Documented vehicle damage and submitted photographs and in-depth reports to claims department for effective processing.
- Identified suspicious claims, escalating issues SIU for further investigation and analysis.
- Carried and managed consistently heavy project workload through exemplary organizational, time management and collaboration talents.
- Coordinated with local body shops to assign repair jobs and obtained rental vehicles for customers for duration of restoration process.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Conducted claims investigations by obtaining written statements, preparing reports, researching public records and conducting personal interviews.
- Evaluated coverage, liability and damages and investigated suspicious claims.
- Answered customer questions regarding deductibles.
- Verified insurance claims and determined fair amount for settlement.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Examined claims forms and other records to determine insurance coverage.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
- Prepared summaries of damage, payments, and policy coverage.
- Prepared reports of findings in investigations.
- Negotiated terms and handled settlements and adjustments with attorneys, claimants and co-defenders.
- Estimated cost of filing claims and applicable court or legal fees for claimant party.
- Interviewed relevant parties to determine claim denial or settlement.
- Monitored expenses of pending claims to comply with company expenditure guidelines and budgets.
- Documented and tracked claims approval process and communicated status monthly with claimants, attorneys and in-house personnel.
- Interpreted policy details and recommended most favorable course of action.
- Prepared and presented complex cases to management, in-house legal team and Claims Committee.
- Referred extreme cases to Special Investigation Unit (SIU) for further review.
- Interviewed policyholders, witnesses and third parties to gather information and details regarding injury event.
- Reviewed over150/per month medical treatment reports, police reports and medical bills in for GEICO.
- Substantiated legitimate claims and denied unjustified claims.
- Evaluated insurance policies and analyzed damages to determine coverage.
- Organized, planned and documented materials for [Type] claims.
- Researched and analyzed policy contracts to verify proper payment of claims.
- Documented all investigation activity and presented reports to management.
- Established relationships with clients and insurance companies to foster timely claims resolution.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
Underwriter Assistant
Chubb
Dallas , TX
01.2017 - 06.2019
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal business by providing Commerical quotes to Underwriter and Customer .
- Provided high level of assistance to Underwriter and Commerical Customer Service Agents by helping with review, classification, coding and rating of applications.
- Assisted Underwriters by calculating group and individual renewal rates based on customers' background, industry and demographic information.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Verified data integrity and accuracy.
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
Property and Casualty Insurance Agent
AAA Of Texas
Los Colinas, TX
10.2015 - 01.2017
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
- Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
- Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling.
- Reviewed policy applications for errors and liaised with underwriters to facilitate quick completion of application process.
- Sold auto, home, life and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques.
- Quoted and calculated premium rates for policies, using rate book, Atlasand calculator.
- Handled approximately 500+outbound and inbound sales-related calls per week to qualify individuals interested in purchasing insurance coverage.
- Drove team revenue totals by bringing in top sales numbers.
- Explained advantages, features and disadvantages of various policies to promote sale of plans, boosting overall sales 90%.
- Conducted research on insurance packages and investment options to generate client recommendations.
- Met with customers to provide information about available products and policies.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Collected premiums on or before effective date of coverage.
- Met and exceeded revenue goals by 100% through generating new leads and identifying new clients.
Education
Bachelor of Arts - Business Administration
Upper Iowa University
Fayette, IA 2021.01 - Current
Skills
- Risk Assessment
- Onsite inspection skills
- Database-savvy
- Knowledgeable in Xactimate and Atlas
- Organization and Time Management
- Critical Thinking
- Teambuilding
- Clerical Support
- Excellent Communication
- Teamwork and Collaboration
- MS Office
Accomplishments
- Achieved Employee of the year by completing Metrics with accuracy and efficiency.
- Documented and resolved claims which led to litigation.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Success is not final; failure is not fatal: It is the courage to continue that counts.
Winston S. Churchill
Timeline
Bachelor of Arts - Business Administration
Upper Iowa University
2021.01 - Current
Auto Claims Adjuster
GEICO
08.2020 - 10.2022
Underwriter Assistant
Chubb
01.2017 - 06.2019
Property and Casualty Insurance Agent
AAA Of Texas
10.2015 - 01.2017