Terry Fox

Work History

Home Health Caregiver

N/A

05.2019 - 03.2024

Assisted parents with dressing, grooming and feeding needs, helping to overcome, and adapt to mobility restrictions.
Assisted parents with daily living activities, improving their overall quality of life.
Ensured timely transportation of parents to appointments or social engagements, enhancing their ability to maintain an active lifestyle.
Supported emotional well-being through companionship services such as reading aloud or playing games together during downtime periods.
Administered prescribed medications accurately, ensuring proper dosage and adherence to schedules.
Performed laundry, grocery shopping and all housekeeping and lawn duties.
Scheduled and coordinated medical appointments.
Administered medications in accordance with doctor's instructions.
Transported parents for medical and personal outings.
Assisted with end-of-life care.
Improved parents comfort with massage and application of topical treatments.

Inside Auto Claims Adjuster

Auto-Owners Insurance Company

03.2019 - 03.2021

Maintained clear communication with policyholders, keeping them informed throughout the claims process.
Developed strong relationships with repair facilities to ensure efficient handling of vehicle repairs and damage assessments.
Participated in ongoing training programs to stay current on industry trends and best practices in auto claims adjusting.
Managed complex claims involving multiple parties, ensuring timely resolution and customer satisfaction.
Provided exceptional customer service, addressing policyholder questions and concerns throughout the claim process.
Reduced claim processing time by efficiently managing a caseload of various auto insurance claims.
Collaborated with appraisers to achieve fair and accurate settlement values for vehicle damages.
Enhanced customer satisfaction by promptly and accurately investigating auto claims.
Reviewed coverage details to accurately assess policyholder eligibility for benefits during the claim process.
Negotiated equitable settlements with claimants, resulting in cost-effective resolutions for the company.
Negotiated with claimants to settle claims.
Issued payouts to claimants.
Examined photographs and surveillance and any other documents relating to claims.
Examined claims forms and other records to determine insurance coverage.
Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues.
Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
Analyzed information gathered by investigation and reported findings and recommendations.

Inside Senior Personal Lines Underwriter

Auto-Owners Insurance Company

05.2008 - 03.2019

Negotiated favorable terms with clients by leveraging strong analytical skills and understanding of market conditions.
Conducted thorough reviews of complex insurance applications, ensuring proper coverage and adherence to company policies.
Participated in industry conferences and educational seminars to stay current on relevant topics, applying new insights to daily work activities as necessary.
Streamlined communication channels between underwriting, claims, and customer service departments for more efficient operations overall.
Provided expert guidance on product offerings, helping agents tailor policies to meet individual client needs.
Improved customer satisfaction through timely and accurate policy evaluations and adjustments.
Led training sessions for both internal staff and external partners on underwriting best practices, contributing to overall organizational knowledge and expertise.
Reduced claims frequency through proactive identification of potential risks and targeted policy modifications.
Implemented risk mitigation strategies by closely monitoring loss ratios and adjusting underwriting criteria accordingly.
Fostered strong relationships with key agency partners, enhancing collaboration efforts for mutual success in business endeavors.
Coached junior underwriters on best practices, contributing to their professional growth and development within the organization.
Consistently met customer expectations by delivering high-quality service throughout the policy lifecycle, including renewals, endorsements, and cancellations.
Evaluated applications to determine insurance coverage and appropriate risk classifications.

Life Insurance Sales Representative

Auto-Owners Insurance Company

01.2006 - 03.2008

Quoted and educated agency partners on all life products offered.
Increased policy sales by building strong relationships with agency partners and addressing their clients unique needs.
Mentored new team members, contributing to their overall success as life insurance sales representatives.
Trained outside company Marketing Representatives and assisted them in training our agency partners on all life products offered.
Established credibility as a trusted advisor through consistent follow-up communications and transparency regarding policy details.
Evaluated competitors' products and services to gain competitive advantage.
Responsible for monthly reports monitoring competitive edge of company products.

Private House Cleaner

Self Employed

03.2003 - 01.2006

Collaborated closely with homeowners to address specific needs or preferences related to their homes'' appearance and upkeep.
Demonstrated professionalism in all interactions with homeowners, establishing trustworthiness and reliability as a private house cleaner.
Enhanced client satisfaction by providing thorough and efficient cleaning services tailored to individual needs.
Developed strong client relationships by consistently exceeding expectations and addressing concerns promptly.
Improved client retention rates with exceptional attention to detail and personalized service offerings.
Hand-dusted and wiped down furniture, fixtures, and window sills to keep areas clean and comfortable.
Disinfected and mopped bathrooms to keep them sanitary and clean.
Eliminated germs and minimized infection risk with expert bathroom and kitchen cleanings.
Emptied waste paper and other trash from premises and moved to appropriate receptacles.
Polished fixtures to achieve professional shine and appearance.

Stay At Home Mom

Self

09.2001 - 03.2003

Inside Auto Claims Adjuster

Michigan Millers Mutual Insurance Company

01.1996 - 09.2001

Managed complex claims involving multiple parties, ensuring timely resolution and customer satisfaction.
Effectively managed resources by prioritizing tasks based on deadlines, complexity, and importance to overall business operations.
Identified potential fraud cases through thorough investigation and analysis, protecting company assets.
Developed strong relationships with repair facilities to ensure efficient handling of vehicle repairs and damage assessments.
Enhanced customer satisfaction by promptly and accurately investigating auto claims.

Credit Collections & Repossession Associate

GMAC Financial Services

08.1989 - 05.1995

Maximized recovery of outstanding debts by utilizing persuasive negotiation techniques and maintaining a professional demeanor in all interactions.
Maintained accurate records of all collection activities, providing regular updates to management on the status of outstanding accounts.
Developed customized payment plans for financially distressed clients, assisting them in meeting their obligations while preserving business relationships.
Improved debt recovery rates by implementing effective collections strategies and maintaining consistent follow-up with delinquent accounts.
Negotiated settlements with delinquent account holders, securing favorable outcomes for both parties and reducing overall writeoffs.
Increased efficiency by collaborating with law enforcement agencies when necessary for peaceful asset recovery.
Improved client satisfaction by promptly locating and recovering collateral assets.
Maximized chances of successful vehicle recoveries through diligent skip tracing efforts to locate hard-to-find debtors or collateral assets efficiently.
Minimized conflict situations by employing de-escalation techniques during confrontations with debtors.
Enhanced company reputation through professional interactions with clients and debtors during the repossession process.
Streamlined operations by maintaining accurate records of repossessions, inventory, and transport logs.
Ensured safety compliance by adhering to local laws and regulations during repossessions.

Restaurant Hostess & Server

Schelde's Restaurant

10.1984 - 08.1989

Demonstrated strong multitasking skills by handling telephone inquiries while attending to in-person guest needs seamlessly.
Answered customer questions about hours, seating, and menu information.
Maintained an organized waitlist for busy times, ensuring efficient seating of guests.
Took reservations and to-go orders by phone, answered customer questions, and informed of accurate wait times.
Contributed to team success by assisting fellow servers during peak hours, ensuring smooth operations.
Greeted new customers, discussed specials, and took drink orders.
Kept server areas clean and stocked to increase efficiency while working tables.
Handled customer complaints professionally, resolving issues promptly to maintain positive relationships.
Boosted overall sales by confidently recommending daily specials and upselling menu items.

Summary

Overview

Work History

Home Health Caregiver

Inside Auto Claims Adjuster

Inside Senior Personal Lines Underwriter

Life Insurance Sales Representative

Private House Cleaner

Stay At Home Mom

Inside Auto Claims Adjuster

Credit Collections & Repossession Associate

Restaurant Hostess & Server

Education

Bachelor of Science - Finance And Economics

Skills

Insurance Designations

Timeline

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