Myra Elam
Waxahachie
Summary
Experienced with insurance adjuster to include subrogation claims management, ensuring effective claim recovery and resolution. Utilizes analytical skills and negotiation techniques to drive successful outcomes. Track record of leveraging attention to detail and communication skills to support team objectives and client satisfaction.
Overview
10
10
years of professional experience
Work History
Commercial Liability /Subrogation Claims Representative
Gallagher Bassett Services Inc.
Remote
01.2025 - Current
- Evaluated and processed subrogation claims to ensure compliance with regulatory standards.
- Analyzed complex claim data to identify trends and improve recovery strategies.
- Mentored junior representatives on best practices in claims handling and negotiation tactics.
- Apply claims management experience to execute decision-making to analyze claims exposure, plan the proper course of action, and appropriately resolve claims.
- Interact extensively with various parties involved in the claim process to ensure effective communication and resolution.
- Provide exceptional customer service to claimants on behalf of our clients exhibiting empathy through each step of the claims process
- Handle claims consistent with clients' and corporate policies, procedures, and standard methodologies in accordance with statutory, regulatory, and ethics requirements.
- Document and communicate claim activity timely and efficiently, supporting the outcome of the claim file.
- Work in partnership with our clients to deliver innovative solutions and enhance the claims management process.
- Think critically, solve problems, plan, and prioritize tasks to optimally serve clients and claimants.
- Implemented process improvements that streamlined workflows and increased overall efficiency.
- Reduced cycle times for subrogation claims by consistently meeting or exceeding established performance metrics.
- Provided guidance to less experienced colleagues, sharing knowledge and expertise in the subrogation claims process.
- Assisted management in identifying areas for improvement within the department, leading to ongoing enhancements in processes and procedures.
- Expedited claim processing by maintaining organized files and diligently tracking ongoing cases.
- Assisted in the development of departmental goals and objectives aimed at increasing overall productivity and efficiency within the subrogation team.
- Managed a high volume of complex cases, demonstrating adaptability and excellent time-management skills.
- Posted payments to accounts and maintained records.
- Streamlined communication with claimants, insurance adjusters, and attorneys for more efficient case management.
- Identified potential fraud indicators during claim investigations, taking appropriate action to protect company interests while adhering to legal guidelines.
- Strategically prioritized workload based on claim complexity, potential recovery amounts, statute limitations, and other factors critical to achieving successful outcomes.
- Checked documentation for accuracy and validity on updated systems.
Commercial Liability/Subrogation Adjuster
Sedgwick Claims Management
Remote
10.2022 - 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
Irving, Texas
12.2018 - 10.2022
- 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
Texas
10.2021 - 03.2022
- 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
Irving, Texas
05.2016 - 11.2018
- 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
- Dispute Resolution
- Claims Documentations
- Collaboration and Interpersonal Skills
- Underwriting knowledge
- Technical knowledge
- Property valuation
- Claims Investigation
- Policy Interpretation
- Data entry
- Fraud detection
- Payment and investigation escalations
Additional Licensing
- Texas
- Louisiana
- Arizona
- Michigan
- Kentucky
- Florida
- Alabama
- Minnesota
- Mississippi
- Oklahoma
- Washington
Timeline
Commercial Liability /Subrogation Claims Representative
Gallagher Bassett Services Inc.
01.2025 - Current
Commercial Liability/Subrogation Adjuster
Sedgwick Claims Management
10.2022 - Current
Auto Total Loss Adjuster
Liberty Mutual
10.2021 - 03.2022
Auto Total Loss Adjuster
State Farm
12.2018 - 10.2022
Auto Liability Adjuster
State Farm
05.2016 - 11.2018
Some College (No Degree) -
Navarro College