MICHELLE OSNAIN
Ramona
Summary
Seasoned Casualty Claims Adjuster with expertise in managing diverse insurance claims, including automobile and property damage incidents. Strong analytical skills used to determine claim validity, negotiate settlements, and mitigate risk. Known for providing exceptional customer service while adhering to state regulations and company policies. Past experience has resulted in improved efficiency within claims department and enhanced client satisfaction.
Resourceful Casualty Claims Adjuster known for high productivity and efficient task completion. Specialize in accurate claim evaluation, effective negotiation strategies, and comprehensive policy interpretation. Excel in communication, problem-solving, and decision-making to achieve optimal outcomes in complex situations.
Overview
32
32
years of professional experience
2
2
years of post-secondary education
1
1
Certification
Work History
Casualty Claims Adjuster
GEICO
San Diego
06.2000 - Current
- Evaluated claims to determine coverage and liability issues.
- Collaborated with policyholders to gather necessary documentation and information.
- Investigated incidents by interviewing witnesses and reviewing police reports.
- Negotiated settlements with claimants to resolve disputes efficiently.
- Maintained accurate records of claims activity and correspondence.
- Provided exceptional customer service while addressing inquiries and concerns.
- Assisted in training new adjusters on company processes and best practices.
- Prepared reports containing findings from investigations, recommendations for resolution and estimated cost of damages.
- Identified potential areas of fraud by recognizing patterns or inconsistencies in claim data.
- Interpreted policy language and applied relevant state laws in making decisions on claims.
General Store Manager
Bed Bath & Beyond
Chula Vista
05.1997 - 06.2000
- Oversaw inventory management and optimized stock levels for customer satisfaction.
- Implemented visual merchandising standards to enhance store presentation and appeal.
- Coordinated promotional events to drive sales and engage the community effectively.
- Fostered a positive work environment through effective communication and team-building activities.
- Resolved customer inquiries and issues promptly to maintain high satisfaction levels.
- Trained and developed staff on product knowledge and customer service techniques.
Store Manager's Assistant
Rite Aid
Ramona
08.1994 - 08.1994
- Assisted in managing daily store operations and inventory control.
- Coordinated staff schedules and training sessions for new employees.
- Supported customer service initiatives to enhance shopping experiences.
- Implemented merchandising strategies to optimize product placement.
- Monitored compliance with health and safety standards throughout the store.
- Collaborated with management on promotional events and marketing efforts.
- Resolved customer inquiries and complaints efficiently and professionally.
- Handled complaints from customers by empathetically listening, recording details and offering solutions.
- Supervised cashiers in processing credit, debit and cash payments to streamline sales.
- Handled scheduling for store shifts to achieve adequate staffing.
Education
Associate of Arts - General Studies And Psychology
Riverside Community
Riverside, CA 09.1990 - 06.1992
Some College (No Degree) - Psychology
California State University, San Bernardino
San Bernardino, CASkills
- Claims assessment
- Liability analysis
- Negotiation strategies
- Customer relationship management
Affiliations
I am an avid reader, hiker, horse owner, and pool player. I am a captain of a local APA league team and volunteer at a local horse rescue.
Certification
I have been working towards my CPCU certification, and contine to do so. This is also concurrently applied to an associate in claims.
References
References available upon request.
Timeline
Casualty Claims Adjuster
GEICO
06.2000 - Current
General Store Manager
Bed Bath & Beyond
05.1997 - 06.2000
Store Manager's Assistant
Rite Aid
08.1994 - 08.1994
Associate of Arts - General Studies And Psychology
Riverside Community
09.1990 - 06.1992
Some College (No Degree) - Psychology
California State University, San Bernardino