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Elvia Rosales

@elviarosales

Licensed liability determination adjuster specializing in end-to-end auto claims and quality QA.

United States
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What I'm looking for

I’m looking for a licensed, virtual auto claims role where I can own liability determinations, deliver compassionate customer communication, and improve quality through accurate documentation, evidence review, and process/job-aid collaboration.

I’m a service-minded, licensed liability determination adjuster with a strong focus on end to end claim handling for auto losses, especially when liability is unclear. I bring a meticulous, detail-oriented approach to quality assurance, claims investigations, and documentation in a virtual environment.

In my adjuster roles at Allstate Insurance, I investigate liability disputes and coverage concerns by gathering recorded statements from insureds, claimants, and witnesses and evaluating evidence such as photos, video, and police reports. I make and support final liability decisions, then communicate outcomes professionally to all parties using phone and state guideline denial letters when needed.

I also handle subrogation workflows by reviewing Third Party Carrier Subrogation demands, making necessary corrections, issuing partial denial letters based on demand audits, and updating information in E- Subro Hub. I review coverage and policy wording for situations like unlisted drivers or potential Ride for Hire involvement.

Before adjusting, I built deep quality and process experience through Claims Experience Specialist and Quality Reviewer roles, where I achieved and sustained 6.33 receipts (claims) per hour and averaged 11-12 reviews per day. I provided Culture of Coaching feedback, completed targeted vendor and business unit reviews, and collaborated on process job aid improvements through test and learn activities.

Experience

Work history, roles, and key accomplishments

Allstate Insurance logoAI

Liability Determination Adjuster

Mar 2025 - Nov 2025 (8 months)

Handled end-to-end auto liability determination for unclear liability losses, conducting investigations and documenting findings to support final decisions. Communicated professionally with customers in a virtual claims environment.

Allstate Insurance logoAI

Express Adjuster

Apr 2022 - Feb 2025 (2 years 10 months)

Investigated liability disputes and coverage concerns for clear-liability auto claims, gathering recorded statements and reviewing evidence such as photos, video, and police reports to support final liability decisions. Issued full or partial denial letters, managed subrogation demand audits with updates to E-Subro Hub, and coordinated coverage decision communications with policyholders and third

Allstate Insurance logoAI

Quality Reviewer (Claims)

Oct 2015 - Aug 2021 (5 years 10 months)

Completed monthly quality reviews for front-line employees to ensure compliance and a strong customer experience, providing and escalating recommendations for job-aid and process improvements. Maintained an average of 11–12 reviews per day while participating in test-and-learn activities to improve measurement methods and initiatives.

Allstate Insurance logoAI

Claims Service Specialist

Nov 2008 - Sep 2013 (4 years 10 months)

Assisted customers in a fast-paced environment with filing and processing new auto claims, researching and resolving customer concerns with time-management and soft skills. Adapted and implemented unexpected process changes to maintain service quality.

Education

Degrees, certifications, and relevant coursework

Elvia hasn't added their education

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