Mary Estimbo
Houston
Summary
Dynamic Executive Specialist with extensive experience at Crum & Forster, excelling in claim negotiation and risk management. Proven track record in resolving complex injury claims and fostering strong relationships with stakeholders. Adept at legal research and critical thinking, consistently achieving favorable outcomes while enhancing client satisfaction through effective communication.
Overview
23
23
years of professional experience
Work History
Executive Specialist, Senior Specialist
Crum & Forster
12.2016 - Current
- Handle commercial auto and general liability bodily injury claims
- Successful in risk and liability transfer to mitigate loss payout and exposure
- Negotiated claim resolutions with attorneys and claimants, ensuring fair outcomes aligned with company policies
- Direct attorney activities for litigated files
- Conducted investigations into coverage and liability by engaging witnesses, claimants, attorneys, and other third parties to gather critical information
- Monitored auto repair process for best outcome for insured and claimant to minimize loss of use and down time costs
- Examined claims forms and other records to determine insurance coverage
- Review contracts such as leases & rental agreements
- Utilized and reviewed state laws and regulations
- Prepare disclaimers, and reservation of rights letters
- Assisted colleagues in resolving complex investigative issues or difficult negotiations, fostering a supportive work environment that promoted teamwork and knowledge sharing.
- Trained colleagues on Non Trucking Liability
- Improved customer satisfaction through proactive problem-solving and efficient complaint resolution
- Cultivated relationships with internal and external customers, enhancing communication and collaboration throughout claims process
Field Adjuster
The General
05.2016 - 12.2016
- Handled auto damage and bodily injury claims both first party and third party claims
- Prepared detailed property damage estimates to facilitate efficient claims processing
- Investigated coverage and liability by contacting witnesses, claimants, attorneys, and other parties in person and via phone
- Prepare reservations of rights and coverage denial letters
- Negotiated claim resolutions with attorneys and claimants, ensuring fair settlements
- Negotiated medical bills with healthcare providers to achieve cost-effective solutions for clients
- Issue payments, prepared releases, settled injury and property damage claims. Identified fraud.
Litigation Specialist
Allstate
02.2015 - 04.2016
- Handled litigated injury claims involving complex coverage and liability issues
- Examined and reviewed information to determine if appropriate coverage is applicable to facts of loss
- Evaluated bodily injury claims by reviewing medical records, medical bills, facts provided during discovery phase
- Developed defense strategy with house counsel, outside counsel, and management to handle litigated cases
- Conducted thorough investigations of claims, gathering critical evidence to support successful case resolution
- Negotiated settlements in mediation, achieving favorable outcomes while minimizing litigation expenses
- Identified potential risks or weaknesses in cases early, enabling proactive strategies for optimal resolution
Casualty Specialist - Litigation
Progressive
05.2003 - 07.2013
- Resolved pre-litigated and litigated injury claims, involving complex coverage and liability issue
- Handled first party, third party, UM/UIM and wrongful death claims.
- Evaluated claim on basis of injury, treatment, and liability exposure
- Negotiated face-to-face resolutions for high exposure loss claims, securing legal releases and facilitating timely case closures
- Apply state laws, tort concepts, and review contracts
- Guided legal counsel in the handling of litigated claims
- Conducted thorough investigations of claims, gathering critical evidence to support liability and case resolution
- Identified potential challenges in claims and litigation processes, developing contingency plans to mitigate risks and ensure smoother case management
- Identified and leveraged risk transfer opportunities to minimize exposure
- Cultivated strong relationships with opposing counsel to enhance communication and streamline negotiations in litigation
- Reduced case backlog by efficiently prioritizing and managing high-volume caseloads
- Negotiated bills with third parties such as worker's compensation carriers and medical providers
- Prepared Arbitration filings for disputed cases resulting in favorable outcomes
- Kept up-to-date with industry regulations and guidelines to ensure compliance in all aspects of claims handling
Education
BBA - Accounting
University of Houston
Houston, TXSkills
- Claim negotiation
- Risk management
- Policy analysis
- Legal research
- Coverage evaluation
- Computer literacy
- Microsoft Office
- Video conferencing tools
- Information retrieval
- Critical thinking
- Decision-making
- Conflict resolution
- Relationship building
- Active listening
Additional Information
Texas Department of Insurance-Adjuster- All Lines.
Licensed in CT, DE, FL, KY, LA, NC, NH, NM, OK RI, SC, VT, WV, WY
Timeline
Executive Specialist, Senior Specialist
Crum & Forster
12.2016 - Current
Field Adjuster
The General
05.2016 - 12.2016
Litigation Specialist
Allstate
02.2015 - 04.2016
Casualty Specialist - Litigation
Progressive
05.2003 - 07.2013
BBA - Accounting
University of Houston