Brenda Chairez
State Farm Insurance
ELPASO
2
Languages
14
years of professional experience
Results-driven Senior Claims Specialist with over 13 years of experience in navigating, investigating, and resolving complex, high-exposure, and litigated insurance claims. Proven ability in strategic liability analysis, coverage evaluation, and complex medical/subrogation lien negotiations, while effectively collaborating with direct defense counsel to achieve optimal outcomes. Currently pursuing enrollment in the University of Arizona Master of Legal Studies (MLS) program to enhance expertise in tort law, contract interpretation, and corporate compliance. Committed to leveraging extensive industry knowledge to drive impactful results in future endeavors.
Work History
Sr. Claim Adjuster- HELP Unit
2 MonthsManage high-value casualty and bodily injury claims, executed liability analysis, and established reserve exposure to support effective claim resolution.
Analyze insurance policy terms and statutory regulations to formulate coverage positions and risk determinations, ensuring compliance and informed decision-making.
Direct negotiations for hospital, Medicare/Medicaid, and subrogation liens to minimize indemnity loss and enhance claim recovery outcomes.
Partner closely with defense counsel to formulate litigation strategies, evaluate trial exposure, and navigate high-stakes settlement negotiations.
Claim Specialist
3 Years 6 Months- Managed portfolio of litigated and complex files, including first- and third-party claims involving serious injuries and fatalities, ensuring thorough case resolution.
- Manage a portfolio of litigated and complex files, including first- and third-party claims involving serious injuries and fatalities.
- Collaborated with defense attorneys to execute litigation plans for pre-trials, mediations, and trials, driving effective legal strategies.
- Coach peers on holistic claim handling efficiencies, directly improving quality outcomes and expedited closure rates.
- Participated in Section Manager meetings to align best practices with business objectives, enhancing overall customer experience.
Sr. Claims resolution Specialist
2 Years- Investigated and settled complex 1st and 3rd party bodily injury commercial auto and homeowner claims, ensuring fair resolution for all parties involved.
- Resolved litigated files through expert negotiation and strategic defense, achieving favorable outcomes for the company.
- Acted as a Leadership Delegate, overseeing inventory management, performing quality reviews, and directing staff meetings.
- Developed and facilitated training programs for new hires, enhancing claim handling skills and increasing customer satisfaction.
Claims Professional
3 Years- Managed complex third-party liability claims for Transportation Network Services (Lyft), focusing on high stakes litigated files to mitigate potential losses.
- Controlled legal expenses and monitored defense budgets, contributing to effective claims cost management and overall profitability.
- Ensured timely and cost-effective resolutions through proactive file management, reducing turnaround time for claims processing.
Claims Specialist
5 Years- Investigated and negotiated complex bodily injury claims, litigating files to resolve disputes and exceed performance goals.
- Utilized analytical tools and technology to assess damages precisely, enhancing operational efficiency.
- Evaluated and processed insurance claims, ensuring compliance with company policies and regulatory requirements.
- Collaborated with clients to gather necessary documentation, enhancing overall claims processing efficiency.
- Analyzed complex claim scenarios, providing expert guidance to team members on resolution strategies.
Education
Bachelor of Arts - Psychology
Skills
Claim management proficiency
Claims investigation
Litigation Strategy
Policy interpretation
Insurance regulations
Coverage assessments
Risk assessment
Casualty and property loss
Compliance knowledge
Team Management
Advanced communication skills
Problem-solving
Fully bilingual in Spanish.
Insurance adjuster licensing
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Sr. Claim Adjuster- HELP Unit
Gainsco Insurance
05.2026 - CurrentRead More
Claim Specialist
State Farm Insurance
01.2023 - CurrentRead More
Sr. Claims resolution Specialist
Liberty Mutual Insurance
01.2021 - 01.2023Read More
Claims Professional
Travelers Insurance Company
01.2018 - 01.2021Read More
Claims Specialist
State Farm Insurance
01.2013 - 01.2018Read More
Southern New Hampshire University
Bachelor of Arts from Psychology
Read More