Theresa Beard

Investigated, evaluated, and negotiated non-attorney represented injury and property claims in compliance with state guidelines to ensure fair settlements.

Reviewed coverage, policy language, and loss details to determine at-fault parties and establish liability percentages through comparative negligence assessments.

• Conduct a thorough and fair investigation for property damage and injury claims from inception to resolution.
• Conduct recorded statements from all vehicular drivers/vehicle owners, identify injury parties and other property damages related to each loss. Mitigate costs relating to storage costs.
• Evaluated Prop 213 based on California laws.
• Need to determine the location of each vehicle, the list of all adverse carriers and identify any passengers that occupied these vehicles at the time of loss.
• Developed inspection methods to assess vehicle repairability and identify total loss status for accurate claim resolutions.
• Coordinated with adjusters, attorneys, and vendors on active claim files.

• Managed bodily injury and property damage claims from inception to resolution, ensuring thorough investigation and timely settlements.
• Investigated complex claims using statements, records, photos, and adjuster reports.
• Conducted comprehensive coverage reviews, cleared policy flags, and gathered necessary documents to investigate claims; performed recorded statements, clarified policy coverage with policyholders, established liability, coordinated auto repairs, created rental assignments, and analyzed police reports, medical records, and receipts for out-of-pocket expenses.
• Reviewed Farmers Insurance claims files for coverage, liability, and policy compliance.
• Communicated claim status with policyholders, agents, and internal claims teams.

• Investigated, evaluated and negotiated settlements of various types of insurance claims.
• Identified risks in claims, proposing targeted solutions to mitigate potential losses.
• Analyzed facts of each case to ensure that all applicable laws were followed in the processing of a claim.
• Identified potential risks associated with claims and proposed solutions to minimize risk.
• Developed strategies for mitigating losses in complex cases.
• Coordinated with adjusters and attorneys to resolve claim issues efficiently.
• Prepared detailed reports on investigations, outlining findings and settlement recommendations.

• Provided Auto Damage Claims processing and management for a large volume of customers that own Auto Policies in 13 different states.
• Investigate, evaluate, and manage coverages to analyze all recorded and verbal interviews, and documentation to assist with making final Liability decisions.
• Collected and investigated all necessary documents used to make a liability decision to deny or accept liability for various losses. These legal documents may consist of: Police Reports, Photos of damages/scene location, Legal documents, Attorney mandates, Vehicle ownership, etc.
• Investigated, evaluated, and managed coverages by analyzing recorded and verbal interviews and documentation to inform final liability decisions.
• Examined Organizational Policies, State regulations and the appropriate state laws to determine which State Negligence Law is applicable for each claim and to determine if Comp Neg is applicable.
• Processed financial settlements and maintained security for each file.
• Reviewed estimates and supplements for all claims, then processed payments to the appropriate parties.
• Maintained consistent interaction via telephone, emails, SMS messaging, and letters.
• Monitor and maintain large volume of claim files to ensure they are worked in a timely manner.

• Experience with assisting customers with all phases of their claim process
• Managed case files, negotiated settlements, and processed payments to ensure timely resolution of claims
• Assisted customers throughout all phases of claim process, providing support and guidance to enhance customer satisfaction
• Handled multi-vehicle losses, settling, approving, or denying claims to uphold company standards and compliance

• Acted as the central point of contact for internal customer human-resources concerns and issues.
• Managed and processed high volumes of cases, composing summaries, letters, and follow-ups to ensure timely resolution
• Conducted research analysis to identify and resolve conflicts in cases.
• These cases involved research analysis, conflict resolution
• Conducted troubleshooting skills to explain, de-escalate and resolve issues
• Processed Special Grant payments and corrected payroll hours while composing summaries and follow-up letters to communicate findings effectively
• Also developed, organized and maintained employee personnel files to keep sensitive data secure.