Tammy Thrasher

Reviews claims investigations to determine liability and recovery potential.

Directs negotiations for optimal recovery on claims files.

Determines when referrals needed to a recovery/collection service and/or litigation.

• Conducts claims investigations for high complexity and specialty cases in arbitration by analyzing the facts surrounding a loss to reach a recovery conclusion, including recorded statements, securing public records and analyzing report findings.
• Applies subject matter expertise knowledge of P&C insurance industry products, services and processes to include P&C insurance policy contracts and coverages, common law, contract law, state statutes, evidence and damages, and arbitration program rules.
• Evaluates coverage on first and third party losses to determine potential avenues of recovery in complex claims.
• Generates contentions that accurately illustrate the facts of loss to effectuate maximum indemnity recovery or defense based on thorough analysis of claim and applicable program rules in Property, Uninsured Motorists claims, or Specialty arbitrations. Recognizes and documents subrogation, SIU, and salvage opportunities, and refer accordingly.
• Reimburses policyholder's deductible after recovery is made.
• Serves as an arbitrator who reviews contentions and evidence submitted by multiple carriers on complex cases and renders decisions that appropriately cite program rules, statutory language, and other considerations to articulate the rationale for the decision reached.

Assisted local agent with opening new agency office, and obtaining client base.