How to Follow Up Effectively with an Insurance Company After Submitting Additional Medical Evidence to Support My Personal Injury Claim in MA

The information on this site is for general informational purposes only, may be outdated, and is not legal advice; do not rely on it without consulting your own attorney. See full disclaimer.

Detailed Answer

When you submit additional medical evidence to support your personal injury claim, timely and organized follow-up helps keep your case on track. Under Massachusetts law, insurers must adhere to specific claim-handling timeframes and fair-practice rules. For instance, Mass. Gen. Laws ch. 175, §113H requires an insurer to acknowledge receipt of claim information within 10 business days and to accept or deny a complete claim within 30 days of receiving all necessary documentation (link).

Follow these steps to engage the insurance company effectively:

  1. Confirm Receipt in Writing: Send a brief follow-up letter or email referencing the date you sent the medical records and the specific documents included. Use certified mail or request a read receipt by email. If you call, note the date, time, and name of the representative.
  2. Track Statutory Deadlines: Once you submit complete proof of loss, the insurer has 30 days under Mass. Gen. Laws ch. 175, §113H to make a decision. If the insurer misses this deadline, it may violate unfair claim settlement practices under Mass. Gen. Laws ch. 176D, §3 (link).
  3. Maintain a Communication Log: Record every call, letter, and email. Note dates, names, and key details. This log demonstrates diligence and supports any future dispute over missed deadlines or unresponsiveness.
  4. Send a Formal Follow-Up Letter: If you receive no update within 10 business days, send a formal letter. State the date of your previous submission, itemize the records provided, and request a status update by a specified date. Cite Mass. Gen. Laws ch. 175, §113H and ch. 176D, §3 to underscore the insurer’s legal obligations.
  5. Escalate When Necessary: If your claims adjuster does not respond, ask to speak with a supervisor. Continued delays may warrant a demand letter under Mass. Gen. Laws ch. 93A, §9 (link). A 93A demand gives the insurer 30 days to settle or risk statutory penalties.
  6. Consider Legal Assistance: If the insurer stalls or denies your claim without valid reason, a Massachusetts-licensed attorney can evaluate bad-faith insurance practices and negotiate on your behalf.

Helpful Hints

  • Keep certified mail receipts or email read-receipt confirmations as proof of delivery.
  • Summarize your medical evidence in a one-page cover sheet to streamline review by the adjuster.
  • Maintain a polite, professional tone in all communications to foster cooperation.
  • Always request written confirmation after any phone conversation with claims staff.
  • Use calendar reminders for all statutory response deadlines to ensure timely follow-up.

This article is for informational purposes only and does not constitute legal advice. Consult a Massachusetts-licensed attorney for guidance on your specific situation.

The information on this site is for general informational purposes only, may be outdated, and is not legal advice; do not rely on it without consulting your own attorney. See full disclaimer.