Margaret (Meg) Kinder
SIU Insurance investigator / Adjuster
Irmo,SC
Opportunities Don't happen.You create them.
Chris Grosser
Summary
Seasoned Adjuster SIU Senior Consultant with a robust background in claims investigation and insurance fraud expertise, honed at Allstate. Excelled in policy interpretation and legal compliance, significantly enhancing fraud detection processes. Demonstrates advanced communication skills and a commitment to best practices implementation. Proven track record in improving operational efficiencies and training development.
Overview
26
26
years of professional experience
6
6
Certificate
Work History
Adjuster SIU Senior Consultant
Allstate
01.2003 - 10.2024
- Investigated and assessed damage to auto, property, and commerical claims and reviewed damage estimates.
- Analyzed information gathered by investigations to report findings and recommendations. Worked with our claims partners, analysts, outside vendors, experts, and legal team.
- Examined claims forms and other records to determine insurance coverage. Conducted criminal background checks, financial background checks, completed social media searches. Utilized databases including accuring, ISO, trailblazer, carfax, weathernet, etc.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability. Investigated fraud rings and identity theft.
- Verified insurance claims and determined fair amount for settlement. Reviewed policies for void potential or policy takeovers. Processed denials, underwriting referrals, and NICB referrals, created fraud alerts
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information. Attended examinations under oath and consulted with legal team regarding findings and recommendations
- Answered customer questions regarding deductibles, claim process, set timeline expectations, and explained outcome decisions.
- Liason activity with agent partners - provided status updates and providing SIU training
- Acted as subject matter expert for auto, property, commercial claims. Acted as agent liason. Worked with NICB on pending fraud cases.
- Provided SIU training with claim partners, agents, and onboarding of new employees
- Worked as the investigation consultant for the southeast (NC, SC, GA, AL, FL) from 2009 - 2015. I was responsible for approving / denying outcome requests, conducting quality reviews for auto, property, commercial files and provided recommendations / training for improved efficiencies
Claims Processor
State Farm
08.1998 - 01.2023
- Evaluated accuracy and quality of data entered into agency management system.
- Collaborated with claims department and industry anti-fraud organizations to resolve claims.
- Followed up with customers on unresolved issues.
- Responded to customer inquiries, providing detailed explanations of insurance policies and claims processes.
- Complied with regulations and guidelines related to claims processing to maintain quality and adherence to standards.
- Managed workload and priorities to meet claims processing meet deadlines.
- Maintained confidentiality of patient finances, records, and health statuses.
- Prepared insurance claim forms or related documents and reviewed for completeness.
Part Time Associate
Target
11.2021 - 11.2022
- Used in-store system to locate inventory and place special orders for customers.
- Managed efficient cash register operations.
- Developed strong rapport with customers and created positive impression of business.
- Monitored customers for signs of security concerns and escalated issues to management.
- Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages.
- Created inviting environment for customers by maintaining store organization and cleanliness.
- Performed cash, card, and check transactions to complete customer purchases.
- Stocked merchandise, clearly labeling items, and arranging according to size or color.
Education
Bachelor of Arts - Interdisciplinary Studies (Eng, Hist, Journalism)
12-2002
Skills
- Claims Investigation
- Insurance regulations / Familiar with fraud statutes
- Policy Interpretation / Policy coverage knowledge Policy investigations
- Insurance fraud expertise
- Legal proceedings knowledge / legal and regulatory compliance / litigation resolution
- Automobile claims specialist
- Exposure analysis, risk assessment, coverage assesments
- Advanced oral and written communication skills
- Claims trend analysis
- Best Practices Implementation
Certification
- AEI Fraud Claim Law Specialist - July, 2003
- AEI Property Claim Law Specialist - June, 2004
- AEI Fraud Claim Law Associate - January 2005
- AEI Property Claim Law Associate - January 2005
- AEI Automobile Claim Law Associate -December 2005
- AEI Senior Claim Law Associate - December 2005
Licenses:
- South Carolina (home state) 6443071
- North Carolina non resident adjuster 6443071
- Florida non resident adjuster W026851
- Wyoming non resident adjuster 520012
- Rhode Island non resident adjuster 3002036308
- New Mexico non resident adjuster 6443071
- New Hampshire non resident staff adjuster 6443071
- Louisiana non resident adjuster 999040
- Texas non resident adjuster 2797163
- Vermont non resident adjuster 3002035006
- Connecticut non resident adjuster 6443071
- Kentucky non resident staff adjuster doi-12164
- Georgia - state certification
- Delaware non resident adjuster 30020325275
- Oklahoma non resident adjuster 3002035237
Professional memberships: Prior member of SCIFI (South Carolina Insurance Fraud Investigators) and prior membership for North Carolina Fraud investigators
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Career advancementWork-life balanceCompany CultureHealthcare benefitsPersonal development programsTimeline
Part Time Associate - Target
11.2021 - 11.2022
Adjuster SIU Senior Consultant - Allstate
01.2003 - 10.2024
Claims Processor - State Farm
08.1998 - 01.2023
University of South Carolina - Bachelor of Arts, Interdisciplinary Studies (Eng, Hist, Journalism)
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