Disclaimer: This article is for general informational purposes only and does not constitute legal advice. For guidance tailored to your situation, consult a qualified attorney or contact the New Mexico Office of Superintendent of Insurance.
Detailed Answer
Retrieving your claim number and adjuster contact details in New Mexico involves a few clear steps. Insurers must follow the state’s prompt-payment rules, and you have the right to request status updates at any time.
Step 1: Gather Your Policy Information
Locate your insurance policy documents or declarations page. You’ll need:
- Policy number
- Named insured (your name or entity)
- Property address or vehicle VIN, if applicable
Step 2: Contact the Insurer’s Claims Department
Call the toll-free claims number on your policy or log in to the insurer’s online portal or mobile app. Provide the date of loss, location of the claim event, and any initial documentation (e.g., police report, photos).
Step 3: Request Your Claim Number and Adjuster Info
When you speak with a representative, ask for:
- Your unique claim number
- Adjuster name
- Adjuster phone number and email address
- Expected response times
If the insurer assigned an adjuster, they must provide contact details promptly under the Prompt Payment of Opened Claims Act (NMSA 1978, § 59A-16-14). See the statute here: NMSA 1978, § 59A-16-14.
Step 4: Follow Up in Writing
After your call, send an email or certified letter to the insurer’s claims department summarizing the conversation. This creates a paper trail. Include your name, policy number, date of loss, and the request for claim and adjuster details.
Step 5: Escalate If You Don’t Receive a Response
If you don’t hear back within 15 business days, you can:
- Contact a claims supervisor at your insurer.
- File a complaint with the New Mexico Office of Superintendent of Insurance: osi.state.nm.us/consumers.
Helpful Hints
- Keep a log of dates, times, and names of everyone you speak with.
- Use the insurer’s online portal to check status updates 24/7.
- Save all emails and letters you send and receive.
- Ask if your insurer offers SMS or app notifications for claim updates.
- If an adjuster changes, request the new contact details immediately.
- Review New Mexico’s insurance statutes online to stay informed about your rights.