Myra Elam
Waxahachie,Tx
Summary
Insurance Adjuster skilled in investigating and analyzing liability concerning personal, casualty or property loss. Proven history of leveraging excellent negotiation skills to facilitate settlements. Excellent communication skills demonstrated through years of experience interviewing specialists, witnesses and claimants to compile information.
Overview
8
8
years of professional experience
Work History
Commercial Liability/Subrogation Adjuster
Sedgwick Claims Management
2022.10 - Current
- Analyzes and processes complex or technically difficult general liability claims by investigating and gathering information to determine the exposure on the claim
- Determine correct coverage and proper handling for policy
- Determined the extent of liability based on a thorough review of police reports, medical treatment records, statements, and other documentation
- Calculates and pays benefits due; approves and makes timely claim payments and adjustments; and settles clams within designated authority level
- Manages the litigation process; ensures timely and cost-effective claims resolution
- Contacted and interviewed claimants, doctors, medical specialist, and employers to receive additional information
- Reports claims to the excess carrier; responds to requests of directions in a professional and timely manner
- Coordinates vendor referrals for additional investigation and/or litigation management
- Documented claims in full, entering payments, and reserves
- Administers subrogation of claims and negotiates settlements
- Manages claim recoveries, including but not limited to: subrogation, Second Injury Fund excess recoveries and Social Security and Medicare offsets.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Analyzed information gathered by investigations to report findings and recommendations.
- Prepared summaries of damage, payments, and policy coverage.
- Verified insurance claims and determined fair amount for settlement.
Auto Total Loss Adjuster
State Farm
2018.12 - 2022.10
- Reviewed estimates and supplements over state thresholds
- Initiated contact with claimant or the insured to complete conversations regarding settlement
- Reviewed state jurisdiction to handle settlement paperwork, fees, and taxes accordingly
- Initiated contact with lien/leaseholders to obtain payoff and other additional details
- Ran reports to confirm vehicle ownership or lien/leaseholder status
- Created settlement packages for the title owners
- Relocated vehicles to the appropriate salvage vendors
- Documented and updated claim with all claim handling.
- Negotiated with claimants to settle claims.
- Documented all findings in concise reports.
- Evaluated and investigated over 300 commercial auto claims in 2 years and decided whether insurer should pay claim
- Examined photographs and surveillance and any other documents relating to claims
- Identified suspicious claims, escalating issues to supervisor for further investigation and analysis
Auto Total Loss Adjuster
Liberty Mutual
2021.10 - 2022.03
- Initial contact with insured and claimants to complete conversation regarding policy limits
- Established liability between insured and claimant to inform of coverage availability
- Reviewed estimates and supplements over state thresholds
- Ran reports to confirm vehicle ownership or lien/leaseholder status
- Initiated contact with lien/leaseholder to obtain payoff and other additional details
- Requested police/accident reports, medical treatment records and additional documents as needed
- Recorded statements for both insured and claimants
- Established location of vehicle and relocated to the appropriate salvage vendors
- Reviewed state jurisdiction to handle settlement paperwork, fees, and taxes accordingly
- Created settlement paperwork for title owners
- Documented and updated claim with all claim handling.
Auto Liability Adjuster
State Farm
2016.05 - 2018.11
- Established initial contact with insured and claimant for initial claim handling
- Perform vehicle and property inspections, and prepare estimates in Xactimate
- Thoroughly research and advise clients of auto/property problems and required repairs
- Determined insurance coverage of claimants and extent of liability based on detailed paperwork examinations
- Contacted and interviewed claimants, doctors, medical specialist, and employers to receive additional information
- Documented claims in full, entering payments, and reserves.
Education
Some College (No Degree) -
Navarro College
Waxahachie, TXSkills
- Estimate Preparation
- Computer Proficient
- Dispute Resolution
- Claims Documentations
- Collaboration and Interpersonal Skills
- Underwriting knowledge
- Technical knowledge
- Property valuation
- Claims Investigation
- Familiar with fraud statutes
- Insurance policy coverage knowledge
- Policy Interpretation
Additionallicensing
- Texas
- Louisiana
- Arizona
- Michigan
- Kentucky
- Florida
- Alabama
- Minnesota
- Mississippi
- Oklahoma
- Washington
Timeline
Commercial Liability/Subrogation Adjuster
Sedgwick Claims Management
2022.10 - Current
Auto Total Loss Adjuster
Liberty Mutual
2021.10 - 2022.03
Auto Total Loss Adjuster
State Farm
2018.12 - 2022.10
Auto Liability Adjuster
State Farm
2016.05 - 2018.11
Some College (No Degree) -
Navarro College
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