Claims

Claim Coordination

Ruhl & Ruhl has a full-time claim coordinator who will assist you in the proper filing of your claims, as well as following up to make certain your interests are being covered. Please call us about questionable compensable workers' compensation or other claims. Let us know if you have concerns as to the settlement offers you have received. Many negotiations are between you and your insurance company…should something not "feel right", call us, please. We can't help you if we don't know about a concern.

Investigate Prospective Employees' Prior Claims

We can help you investigate a potential employee's prior workers' compensation claim, motor vehicle records, credit records, criminal records, etc. We can access a service which will provide you this information. With the discrimination laws now applicable, please see what your attorney says, but the service is available for a nominal charge through Ruhl & Ruhl.

Monitor Claims

Our claim coordinator monitors your claims to be sure they are handled in a timely and professional manner. Claim are followed-up in an orderly fashion. However, if you have any question at any time, she will be able to get them answered. She will keep you "out of the middle". Call her, not the carrier. She will be your middle-man, "translator".

Monitor Reserves

Because, over time, claims affect your insurance premiums and potentially your ultimate costs, it is important reserves be monitored and kept as low as possible. Losses do affect your premiums for all coverages, not only your workers' compensation. We try to be sure your reserves are appropriate and questions adjusters as to their accuracy.

Pro-Active Claims

Ruhl & Ruhl takes a very pro-active approach to your claims. After all, claims are why you buy insurance. We want your claims to be paid and serviced in the manner which makes you comfortable and is in your best interest.

Questionable Claims

Please make our coordinator aware (verbally) of claims you may question as to accuracy. Your account executive is notified weekly of all your incidents and can request additional information. So what ? Should subrogation rights be pursued? Should we deny liability?