Nisha Thayan

Experienced Ontario Accident Benefits Claims Professional with over eight years of progressive automobile insurance claims experience specializing in Accident Benefits, Subrogation, Loss Transfer, claims investigation, coverage analysis, negotiation, and customer service. Extensive knowledge of Ontario's Statutory Accident Benefits Schedule (SABS), insurance legislation, reserve management, and complex claims resolution. Recognized for strong analytical skills, sound judgment, exceptional customer service, and the ability to independently manage high-volume claim files while maintaining regulatory compliance.

Founder & Director - Umbrella Solutions

(2023-10)

• Founded and manage a professional networking organization focused on business development and collaboration.
• Coordinate events, partnerships, communications, and strategic planning.

Real Estate Consultant - RE/MAX All-Stars Realty Inc.

(2019-02)

• Manage complex real estate transactions requiring extensive negotiation, risk assessment, and contract interpretation.
• Provide exceptional client service while guiding buyers and sellers through significant financial decisions.
• Coordinate with lawyers, lenders, inspectors, municipalities, and financial institutions to ensure successful closings.
• Independently manage multiple high-priority files while meeting strict deadlines.
• Resolve disputes through effective communication and collaborative problem-solving.

Director - Equity Credit Union

(2023-04 - 2024-05)

• Supported governance, compliance, and strategic planning.
• Reviewed organizational policies and operational reports.
• Participated in executive decision-making and process improvements.

Accident Benefits Advisor - Desjardins Insurance (formerly State Farm)

(2016-05 - 2019-04)

• Managed a portfolio of moderate to complex Ontario Accident Benefits claims from initial report through resolution.
• Investigated claims by reviewing accident reports, medical records, treatment plans, surveillance, and supporting documentation.
• Determined coverage and entitlement under Ontario's Statutory Accident Benefits Schedule (SABS).
• Established and maintained appropriate claim reserves based on ongoing exposure.
• Negotiated claim resolutions with claimants, legal representatives, treatment providers, and vendors.
• Coordinated Independent Medical Examinations (IME) and reviewed expert medical opinions.
• Maintained complete and accurate electronic claim files in accordance with company standards and regulatory requirements.
• Delivered compassionate customer service while managing sensitive and often emotionally challenging claims.
• Worked collaboratively with internal departments and external stakeholders to achieve timely claim resolution.

Subrogation / Loss Transfer Specialist & Trainer - State Farm Insurance

(2008-06 - 2016-04)

• Investigated automobile claims to determine liability and recovery opportunities.
• Managed complex Loss Transfer and Subrogation files in accordance with Ontario legislation.
• Negotiated successful recoveries with insurers and legal counsel.
• Interpreted insurance policies and coverage to support claim decisions.
• Assisted in training and mentoring new employees on claims handling procedures and regulatory compliance.
• Developed strong relationships with legal professionals, adjusters, medical providers, and external vendors.
• Maintained high-quality documentation and ensured compliance with corporate standards.

Bachelor of Arts - University of Toronto

Licence - Real Estate Council of Ontario (RECO)