Senior Claims Adjuster

Ruan Transportation Management Systems•Des Moines, IA

5d•Hybrid

About The Position

The Senior Claims Adjuster analyzes, investigates, evaluates, and resolves workers' compensation, auto liability, physical damage, and cargo claims. The role may handle more complex claims with greater potential exposure and provides guidance and mentorship to other members of the claims team. The position is hybrid, combining in-person and remote work each week, with a Monday–Friday schedule during regular business hours and on-call responsibilities. The role requires carrying out the Company's organizational values and complying with applicable laws, regulations, and Company policies. The adjuster coordinates with claimants, injured workers, third-party administrators, service providers, and legal counsel to resolve claims and protect the Company's interests. Other job-related duties and special projects may also be assigned.

Requirements

Bachelor's degree or equivalent work experience.
Course of study in business or a related field.
Six to nine years of claims experience.
At least three years of auto liability claims experience.
Strong verbal and written communication skills.
Attention to detail and a sense of urgency.
Ability to set priorities and perform duties with minimal direction.
Strong analytical, decision-making, and negotiating skills.
Ability to determine liability or responsibility under workers' compensation and negligence statutes, including comparative and contributory negligence, at local, state, and federal levels.
Ability to communicate with all levels of management within the company.
Willingness to maintain professional and technical knowledge through continuing education.
Initiative and decision-making skills to determine efficient and effective approaches to claim resolution.
Commitment to Ruan's value statement by acting with integrity.
Ability to meet behavioral expectations and work in alignment with the guiding principles of safety, people, customer, performance, and continuous improvement.

Nice To Haves

Associate in Claims designation.

Responsibilities

Investigate workers' compensation, auto liability, physical damage, and cargo claims by interviewing or corresponding with parties to the loss and examining photographs, surveillance video, statements, medical records, and other supporting documents; consult law enforcement when needed to determine liability.
Determine whether additional services are needed to resolve claims and make appropriate referrals, including environmental services, independent adjusters, nurse case managers, and legal counsel.
Oversee third-party administrator actions to ensure compliance with Ruan's claim handling instructions.
Recommend acceptance or denial of claims within assigned authority.
Oversee negotiations with claimants or injured workers for potential settlements within assigned authority.
For contested claims, collaborate with internal and external legal counsel to defend Ruan's position, produce supporting documentation, and participate in legal proceedings when required.
Maintain claim file documentation and required reports, including OSHA and DOT reports and post-accident drug and alcohol testing documentation.
Monitor claim reserves and recommend adjustments as necessary.
Protect and pursue subrogation when appropriate.
Provide guidance and mentorship to others on the claims team.
Perform other job-related duties and special projects as required.
Carry out the Company's organizational values and comply with applicable laws, regulations, and Company policies.