Tia Collins

Inside Auto Claims Adjuster

Utica National Insurance Group

Utica, New York

06.2005 - Current

Reviewed policy coverage to ensure compliance with state regulations and company procedures.
Utilized resources and prior experience in industry to determine if claims should be approved for payment or denied.
Interpreted policy language to apply appropriate coverages and exclusions in claim decisions.
Reviewed police reports, medical treatment records, medical bills and physical property damage to determine extent of liability.
Maintained up-to-date knowledge of state regulatory requirements affecting auto claims handling.
Investigated potentially fraudulent claims with focus on thoroughness, quality, and cost control.
Prepared reports detailing findings from investigations and assessments of damages.
Reviews and adjusts claims by claim processing guidelines.
Performed detailed analysis of complex claims to determine appropriate course of action.
Verified liability extent with reviews of police reports, medical treatment histories and other records.
Resolved customer complaints promptly and courteously while maintaining positive relationships.
Negotiated settlements with claimants and attorneys to resolve claims efficiently.
Reviewed policies to determine appropriate levels of coverage and assist with approval or denial decisions.
Developed and maintained professional relationships with external partners, including tow companies and rental agencies.
Researched and verified insurance policy coverage.
Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
Provided exceptional customer service, addressing concerns and questions promptly.
Attended continuing education courses to stay up-to-date on industry best practices.
Analyzed claim trends to identify potential fraud and took appropriate investigative actions.
Documented all claim activities thoroughly in company systems for audit and compliance purposes.
Input claim information and payments into company database.
Coordinate benefits while applying applicable deductibles, co-insurance and out of pocket costs.
Ensured compliance with internal controls, policies, and procedures in the handling of claims.
Analyzed medical records to determine extent of injury or damage caused by accident.
Coordinated with body shops and repair professionals to validate repair costs and methods.
Conducted secondary evaluations of original investigations documentation and reports to facilitate smooth resolutions.
Investigated and evaluated automobile insurance claims, including inspection of vehicles and determination of liability.
Identified and pursued subrogation opportunities to recover claim costs.
Participated in claims review meetings, presenting cases and justifying decisions.
Investigated auto accident claims to determine liability and coverage.
Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
Provided guidance and mentorship to junior adjusters within the organization.
Utilized claims software and databases for tracking and managing active claims.
Reviewed and interpreted police reports and witness statements to establish facts of claims.
Conducted periodic audits of closed files to ensure accuracy of data entry.
Managed workload to ensure timely follow-up and resolution of all assigned claims.
Performed quality assurance reviews on completed work prior to submission for approval.
Participated in team meetings as needed to discuss progress on current projects.
Evaluated extent of damage and documented findings.
Performed additional duties as assigned by supervisor or manager.
Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
Documented all claim activities in accordance with departmental standards.
Adhered to established protocols for handling high-value cases involving complex damages.
Communicated effectively with customers regarding claim status updates and investigation outcomes.
Trained new claims adjusters on company policies, procedures, and best practices in claims handling.
Collaborated with outside vendors to verify vehicle repair costs or obtain additional information related to claims.
Negotiated settlements with claimants, attorneys and other parties involved in the claim process.
Investigated properties, classified damages and created estimates outlining repair costs.
Reduced loss ratios through fair and prompt processing of claims.
Communicated effectively with policyholders, explaining claim processes and decisions clearly.
Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.
Maintained detailed records of auto losses, including photographs, diagrams, police reports.
Collaborated with medical professionals to assess injury claims and determine settlement amounts.
Assisted with customer requests and answered questions to improve satisfaction.
Worked with cross-functional teams to achieve goals.
Provided support and guidance to colleagues to maintain a collaborative work environment.
Provided excellent service and attention to customers when face-to-face or through phone conversations.
Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.

Summary

Overview

Work History

Inside Auto Claims Adjuster

Education

High School Diploma -

Skills

Affiliations

Certification

Timeline

Inside Auto Claims Adjuster

High School Diploma -

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