Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a licensed attorney for advice on your specific situation.
Detailed Answer
Following up effectively with an insurance company after you’ve sent additional medical records can speed up your personal injury claim in Connecticut. Use these proven steps to keep your file moving forward, stay organized, and invoke statutory deadlines.
1. Confirm Receipt and Create a File Log
Within 1–2 business days of mailing or emailing new records, call or email the adjuster to confirm they received your documents. Note the date, time, person you spoke with, and any reference number. Maintain a centralized claim file (physical or digital) with:
- Copies of all medical records, bills, and cover letters.
- Proof of mailing or electronic delivery receipts.
- Notes from every phone call or email.
2. Understand Connecticut’s Insurance Timelines
Connecticut law requires insurers to handle claims promptly under the Unfair Claim Settlement Practices Act. Per Conn. Gen. Stat. § 38a-816:
- An insurer must acknowledge receipt of a claim within 10 working days.
- After receiving proof-of-loss statements or medical evidence, the insurer must accept or deny the claim within 15 business days.
Refer to these timelines when you follow up. If the insurer exceeds these periods without responding, you may cite the statute in your correspondence.
3. Use Certified Mail and Clear Cover Letters
Always send supplemental evidence by certified mail with return receipt or a secure electronic portal. Include a cover letter that:
- Lists each document you’re sending.
- Explains why the new evidence supports your claim.
- Requests a written confirmation of receipt.
- References your claim number and adjuster’s name.
4. Schedule a Follow-Up Call or Email
Wait 3–5 business days after confirmed delivery, then contact the adjuster. During each call or email:
- Reference the date and method of delivery.
- Ask for an updated processing timeline.
- Request any missing information they need to move forward.
5. Document All Communications
Whether you speak by phone or send emails, record the date, time, participants, and summary of each interaction. Timely documentation can prove critical if disputes arise over delays or mishandling.
6. Escalate When Necessary
If the adjuster does not respond or provides evasive answers, escalate your inquiry:
- Send a formal follow-up letter addressed to the adjuster’s manager.
- Cite Conn. Gen. Stat. § 38a-816 deadlines.
- Copy the insurer’s in-house claims department or legal compliance office.
7. Consider Regulatory or Legal Steps
If delays persist beyond statutory limits or the insurer acts in bad faith, you may:
- File a complaint with the Connecticut Insurance Department via portal.ct.gov/cid.
- Consult a personal injury attorney about a lawsuit or bad faith insurance claim.
Helpful Hints
- Keep both digital and paper copies of every document.
- Record full names, titles, and direct numbers of insurance personnel.
- Summarize phone calls in a follow-up email to the adjuster to create a written record.
- Stay polite but firm in all correspondence.
- Use calendar reminders for statutory deadlines and follow-up dates.
- Consider early consultation with a CT personal injury attorney to protect your rights.