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Auto Insurance Claims/Expert Profile
Expertise
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Experience in the area
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators
Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| Evy | 02/09/12 | 10 | 10 | 10 | Thank You! |
| Dan | 02/03/12 | 10 | 10 | 10 | Great answer, exactly what I wanted to ..... |
| cheryl | 02/03/12 | 10 | 10 | 10 | ty for your response |
| Alayne | 01/24/12 | 8 | 10 | 10 | |
| Shawn | 01/23/12 | 9 | 9 | 10 | Thank you! (: |
Recent Answers from Claims Guy
2012-02-02 What if insurance companies' estimates disagree?:
No need to worry. You can settle with either company. If you settle with your company, they will subrogate against the other insurer to recover what they paid plus your deductible. In very rare cases
2012-01-30 Insurance Policy rental coverage..GPS??:
There is a difference between the way each insurer would handle this. Your insurer would provide whatever your policy contract allows for. Normally this is a dollar limit and does not indicate a type
2012-01-29 Double accident:
You (and your insurer) are liable for the damages you caused only. So they would normally write a repair estimate for that amount only. But if the vehicle is a total loss, it becomes more complicated
2012-01-26 accident and fake witness:
As your insurance company, I would expect them to cooperate with you request for information pertaining to their investigation, for customer service reasons. However, they are not obligated to do so and
2012-01-22 Liable insurance company rental requirement:
Most companies will give you a few days of rental after they make a total loss settlement offer. We typically allow 5 days at my company. The law varies in each state as to strict requirements, but under
Answers by Expert:
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