Quiana Crist

• Evaluate the value of vehicles and assess the extent of damage. Make informed decisions on whether the vehicle is eligible for repair or should be declared a total loss
• Calculate accurate settlement amounts for customers, considering factors such as pre-loss value, deductible, depreciation, and salvage value to ensure fair compensation, ensuring compliance with regulations, and effectively communicating with stakeholders throughout the claims process.
• Review authorization to release settlement funds for the provider using related materials to inform process decisions within established guidelines for first-level service recovery efforts and critical issue resolution, sending Power of Attorney, Affidavits, Odometer Disclosure forms Letter of Guarantee for Title, State guideline instructions and requesting for owner titles.
• Address assigned inventory of salvage vehicles and maintain detailed knowledge of state salvage and title laws for assigned states and may aid partners by answering questions about owner-retained salvage laws and salvage title laws.

• Handled all assigned claims from loss details at the start of the claim to completing and closing the claim.
• Determined liability on auto claims, investigating the evidence, taking recorded statements, arranged auto repair, tows and set-up rentals for insureds and claimants when applicable.
• Explained policy coverage and limits, reviewed potential fraud by recognizing questionable coverage/contract situations which necessitate involvement for SIU.

• Established liability after evaluating the FOL (facts of loss), taking recorded statements from all involved parties such as the insured, claimant and witness, obtained police report, gathered photos, and applied general knowledge of auto policies, endorsements, state laws and regulations, state specific jurisdictions.
• Arranged auto repair methods, tows, and rentals for the insured and claimant.
• Evaluated total loss appraisals to effect settlement within authority, determined accurate actual cash value, cost of repair, negotiated vehicle value with 1st and 3rd parties, controlled salvage costs and resolution not to exceed the threshold percent.
• Issued settlement checks to involved party.

• Ensured adequacy of reserves, confirmed, or denied coverage and liability to advise policyholders and claimant.
• Arranged for expert inspections involving third party or potential fraud recognizing questionable coverage/contract situations which necessitate supervisory involvement for SIU.
• Made Liability decisions after reviewing evidence, conducting recorded statements through investigation

• Acquired and review low-complexity auto claims that meets the Claims Express criteria, utilizing expertise, job aids & tools, explaining coverages on liability, PIP/MOC, UMPD, physical property damage claims.
• Established liability and arranging auto repair methods, tows and rental based on facts of loss, police reports, photos & all evidence, reviewing claim documentation to support initiation auto processing for payments as appropriate disbursement via direct deposit (EFT) and or paper check by mail.

SUBROGATION SPECIALIST (minimal handling)

• Researched, identified, evaluated, and assisted in the recovery of overpayments for duplicate coverage, worker’s compensation, no-fault claims.
• Identified legal liability and pursued negotiated and settled subrogation collection.
• Researched paid claims, answered inquiries, coordinated with other departments, insurance adjusters, attorneys and other parties.
• Interacted with policy holders, claimants, witnesses and underwriters to recommend and document information to close a claim, and also collected information needed to determine when an on-site investigation is necessary.

• Established immediate contact with the policy holders and claimants, conducting extensive investigations into causes and origins of all major property claims, interviewing insureds, claimants, and others as required.
• Exercised discretion and independent judgment in evaluating property damage to determine the extent of damage, then determined liability and total value of claim, developing estimate and obtained an agreed scope of work and cost of repair with contractor and/or policyholder(s).
• Reviewed information to prepare estimates, made recommendations regarding coverage of claims, negotiated settlements, maintained adequate reserves, documented claim files submitting final reports to file for closure.

• Learned to interpret and apply written coverage accurately to establish claim and determine an action plan, making repair/replace decisions to complete simple estimates accurately.
• Handled some comprehensive losses (theft, fire, vandalism) as well as handled injury claims and acquired the understanding of how to review evaluate negotiating basic injury claims.
• Assessed damage and determined the amount of payout on an insurance claim by conducting inspections, interviewing witnesses, and reviewing police reports.

AUTO INITIAL LOSS REPORTING

• Initiated an initial loss report to begin a claim by assisting the insured, insured relatives, claimants, contractors, attorneys, public adjusters and others with catastrophe, property, auto liability, some commercial and personal article claims.
• Explained the Loss of Use Coverage to policy holders and set-up towing with AGERO, set up rentals thru Enterprise Car Rental.
• Worked with all parties to ensure superior customer satisfaction, ensuring the insurance company paid what they owed.

• Assisted consumers with disputing inaccuracies displayed on their personal credit report, educating the consumer on dispute processing and offer options for immediate resolution.
• Entered data efficiently using appropriate fields ensuring quality and accuracy.