Summary
Overview
Work History
Education
Skills
Active Licenses
Key Skillset
Timeline
Generic

Susan Dismuke

St. Louis,MO

Summary

Dynamic Senior Auto Property Claims Adjuster with a proven track record at Bristol West, excelling in customer service and complex claims resolution. Expert in utilizing estimating software and claims management tools to negotiate fair settlements, consistently achieving top satisfaction ratings and streamlining operational processes for enhanced efficiency.

Overview

6
6
years of professional experience

Work History

Senior Auto Property Claims Adjuster

Bristol West
Creve Coeur, USA
06.2024 - Current
  • Manage repairable and total loss auto claims from initial investigation through settlement across multiple states, ensuring compliance with state-specific total loss thresholds, salvage laws, and regulations
  • Conduct thorough liability investigations by reviewing accident reports, inspecting vehicle damage, and obtaining statements detailing the facts of loss
  • Secure repair estimates, coordinate rental vehicles, and arrange tows to facilitate an efficient repair process
  • Verify total loss retention options and guide customers through the salvage process in accordance with state-specific owner- and company-retained vehicle laws
  • Evaluate total loss vehicle values using appraisal software and market research tools to negotiate fair settlements while minimizing company losses
  • Coordinate with lienholders and salvage vendors to facilitate title transfers and ensure timely resolution of total loss claims
  • Handle subrogation demands by assessing liability, verifying documentation, and issuing payments or denials using the E-Hub Subrogation system
  • Proactively arrange tows to storage-free locations or salvage vendors to minimize fees and accelerate claim resolution
  • Consistently recognized for excellence in claims handling, earning top satisfaction ratings from policyholders and claimants through survey feedback

Tier 2 Auto Property Claims Adjuster

American Automobile Association (AAA)
St. Louis, USA
07.2023 - 06.2024
  • Investigated auto property claims by obtaining loss statements from insureds, claimants, witnesses, and law enforcement to determine liability and the company’s financial responsibility
  • Assessed policy terms and coverage eligibility, issuing formal denials when appropriate
  • Reviewed subrogation requests and escalated disputed claims to arbitrate liability and/or resolve payment discrepancies
  • Identified potential fraud by cross-referencing claim details with prior loss history, analyzing damage patterns and repair estimates, and verifying inconsistencies in accident descriptions and statements
  • Maintained accurate and timely claim documentation in compliance with Department of Insurance regulations and internal audit standards, mitigating legal risk and ensuring regulatory adherence
  • Negotiated repair costs with body shops and claimants, approving only necessary repairs to prevent overcharges and ensure cost-effective settlements within authority limits
  • Maintained a 100% customer satisfaction score for 12 consecutive months, reflecting a strong commitment to service excellence

Tier 2 Auto Property Claims Adjuster

Farmers Insurance
Creve Coeur, USA
04.2020 - 07.2023
  • Conducted detailed liability investigations by obtaining recorded statements, reviewing police reports, and analyzing vehicle impact points to determine fault accurately
  • Managed a caseload of 120+ active claims, effectively prioritizing tasks and deadlines in a high-volume, fast-paced environment
  • Communicated coverage details, liability decisions, and next steps clearly and professionally to policyholders and third parties throughout the claims process
  • Investigated complex coverage questions and issued reservation of rights and waiver of rights correspondence when applicable
  • Identified and referred potentially fraudulent claims to the Special Investigations Unit by analyzing inconsistencies in accident reports, damage patterns, and statements

Estimator & Claims Service Representative

Dave Sinclair Buick GMC Collision Center
St. Louis, USA
12.2018 - 11.2019
  • Inspected vehicles, documented all damage, and entered detailed estimates into CCC ONE and ACS systems
  • Collaborated daily with insurance adjusters to secure repair approvals and ensure accurate claim processing
  • Communicated repair costs, insurance coverage, and timelines to customers, providing regular vehicle status updates
  • Captured damage photos and submitted complete claim information to insurance providers
  • Verified repairs against estimates, reconciled final costs, and closed work orders promptly to ensure billing accuracy and compliance

Education

B.A. - General Studies

Fontbonne University
6800 Wydown Blvd, Saint Louis, MO 63105

Skills

  • Excellent customer service and relationship management abilities
  • Proficient in analyzing and resolving complex customer issues efficiently
  • Highly adaptable and effective in fast-paced, dynamic environments
  • Experienced in developing and implementing streamlined operational processes
  • Estimating Software (CCC ONE)
  • Claims Management (E-Hub Subrogation, Guidewire)
  • Data & Research Tools (ISO, Accurint, Auto Data Direct)

Active Licenses

6-20 All-Lines Adjuster License, Florida

Key Skillset

  • Excellent customer service and relationship management abilities
  • Proficient in analyzing and resolving complex customer issues efficiently
  • Highly adaptable and effective in fast-paced, dynamic environments
  • Experienced in developing and implementing streamlined operational processes

Timeline

Senior Auto Property Claims Adjuster

Bristol West
06.2024 - Current

Tier 2 Auto Property Claims Adjuster

American Automobile Association (AAA)
07.2023 - 06.2024

Tier 2 Auto Property Claims Adjuster

Farmers Insurance
04.2020 - 07.2023

Estimator & Claims Service Representative

Dave Sinclair Buick GMC Collision Center
12.2018 - 11.2019

B.A. - General Studies

Fontbonne University

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