Michelle Mirabella
Mesa
Summary
Auto Claims Insurance Adjuster with 11 years of claims experience. Experience handing claims in a team setting & individually while working from home. Comfortable negotiating with attorneys and customers to come to an agreement on liability and settlements.
Energetic and enthusiastic insurance professional motivated to succeed in fast-paced and deadline-driven professional environment. Comprehensive knowledge of claims adjustments with special knowledge of auto appraisals and CCC pathways estimations.
Overview
22
22
years of professional experience
Work History
Claims Adjuster
The General Insurance
Madison
09.2024 - Current
- Evaluated insurance claims to determine eligibility and coverage details.
- Investigated claim incidents by gathering evidence and interviewing involved parties.
- Collaborated with legal teams to address complex claims and ensure compliance.
- Negotiated settlements with policyholders and third parties to resolve disputes.
- Documented claim processes and maintained accurate records in management systems.
- Communicated effectively with clients to explain claim processes and timelines.
Claims Adjuster
2B Claims Service
Phoenix
08.2022 - 08.2024
- Identify coverage issues and detect fraud while following standard claim processes
- Interview drivers, passengers, witnesses and agents to determine liability
- Used various electronic resources for claim handling.
- Negotiate settlements and issue payments appropriately and accurately;
- Consult with internal and external specialists to verify facts of loss
- Review medical bills and records to fairly assess and negotiate injury claims
- Assist customers with understanding the claims process, including time frame(s) of repairs, rental coverage if applicable, and any next steps that are applicable with their claim
- Applied knowledge of insurance contracts and endorsements, state laws and regulations, customer service philosophy.
Claims Adjuster
USAA
Phoenix
10.2021 - 08.2022
- Identify coverage issues and detect fraud while following standard claim processes
- Interview drivers, passengers, witnesses and agents to determine liability
- Used various electronic resources for claim handling.
- Negotiate settlements and issue payments appropriately and accurately;
- Consult with internal and external specialists to verify facts of loss
- Assist customers with understanding the claims process, including time frame(s) of repairs, rental coverage if applicable, and any next steps that are applicable with their claim
- Applied knowledge of insurance contracts and endorsements, state laws and regulations, customer service philosophy.
Immunization Navigator
Solari Inc
Phoenix
04.2021 - 10.2021
- Answered calls to assist the community with Covid 19 vaccines, including safety, knowledge, and scheduling appointments
- Answered calls to direct the community with assistance in locating shelter and food.
- Trained to respond in crisis situations
Claims Adjuster
Commonwealth Casualty Co.
Phoenix
08.2015 - 10.2020
- Identify coverage issues and detect fraud while following standard claim processes
- Interview drivers, passengers, witnesses and agents to determine liability
- Used various electronic resources for claim handling.
- Negotiate settlements and issue payments appropriately and accurately;
- Consult with internal and external specialists to verify facts of loss
- Review medical bills and records to fairly assess and negotiate injury claims
- Assist customers with understanding the claims process, including time frame(s) of repairs, rental coverage if applicable, and next steps that are applicable with their claim
- Applied knowledge of insurance contracts and endorsements, state laws and regulations, customer service philosophy.
Warranty Administrator
Quality Home Maintenance
Phoenix
01.2015 - 07.2015
- Receive incoming defective air conditioning units and equipment
- Organize equipment by vendor and distributor for claims handling
- File appropriate claim forms with vendors
- Organize pick up and return of defective parts and equipment to vendors
- Create invoices for returns and warranty credits
Claims Adjuster
Legacy Pacific Insurance
Phoenix
04.2013 - 06.2014
- Identify coverage issues and detect fraud while following standard claim processes
- Interview drivers, passengers, witnesses and agents to determine liability
- Negotiate settlements and issue payments appropriately and accurately;
- Review medical bills and records to fairly assess and negotiate injury claims
- Assist customers with understanding the claims process, including time frame(s) of repairs, rental coverage if applicable, and any next steps that are applicable with their claim
- Applied knowledge of insurance contracts and endorsements, state laws and regulations, customer service philosophy.
Claims Adjuster
Mercury Insurance Group
Tempe
01.2012 - 03.2013
- Identify coverage issues and detect fraud while following standard claim processes
- Interview drivers, passengers, witnesses and agents to determine liability
- Used various electronic resources for claim handling.
- Negotiate settlements and issue payments appropriately and accurately;
- Consult with internal and external specialists to verify facts of loss
- Review medical bills and records to fairly assess and negotiate injury claims
- Assist customers with understanding the claims process, including time frame(s) of repairs, rental coverage if applicable, and any next steps that are applicable with their claim
Support Specialist II
Mercury Insurance Group
Brea
11.2003 - 01.2012
- Answered multi-line phones and directed the call to the appropriate party
- Created documents to mail to clients
- Generated checks to mail to customers
- Matched mail to a file
- Sorted all department mail and sent outgoing mail and packages
- Made travel arrangements and maintained the events calendar
Education
Business Management -
Cerritos Community College
Cerritos, CAHigh School Diploma -
South Gate High
Skills
- Excellent written and verbal communication skills
- Confident speaking abilities
- Articulate speaking abilities
- Professional speaking abilities
- Emphatic listener
- Persuasive speaker
- Excellent presentation skills
- Excellent negotiation skills
- Knowledgeable in project management
- Knowledgeable in time management
- Ability to work in a fast pace environment
- Effective critical thinking
- Effective decision making
- Effective problem-solving abilities
- Adaptability
- Tolerance to stressed situations
- Accurate typing skills
- Data entry skills
- Claims investigation
Timeline
Claims Adjuster
The General Insurance
09.2024 - Current
Claims Adjuster
2B Claims Service
08.2022 - 08.2024
Claims Adjuster
USAA
10.2021 - 08.2022
Immunization Navigator
Solari Inc
04.2021 - 10.2021
Claims Adjuster
Commonwealth Casualty Co.
08.2015 - 10.2020
Warranty Administrator
Quality Home Maintenance
01.2015 - 07.2015
Claims Adjuster
Legacy Pacific Insurance
04.2013 - 06.2014
Claims Adjuster
Mercury Insurance Group
01.2012 - 03.2013
Support Specialist II
Mercury Insurance Group
11.2003 - 01.2012
Business Management -
Cerritos Community College
High School Diploma -
South Gate High