Disclaimer: This article is for informational purposes and does not constitute legal advice.
Detailed Answer
After submitting additional medical evidence to support your personal injury claim in Mississippi, take proactive steps to ensure the insurer reviews your documentation and responds promptly.
1. Confirm Receipt
Send your medical records via certified mail with return receipt requested. This creates a record under Mississippi law, which you can reference if the insurer later denies receiving your documents.
2. Maintain Organized Records
Keep a file of every communication, including dates, times, names of adjusters, and summaries of phone calls or emails. Well-organized records help you track follow-up dates and avoid missing deadlines.
3. Follow Statutory Timelines
Mississippi’s Unfair Claims Settlement Practices Act, Mississippi Code Annotated §83-11-301, prohibits insurers from unreasonably delaying claim payments. Miss. Code Ann. §83-11-301 sets standards for timely communication and resolution.
4. Use Clear, Professional Communication
When you call or write, clearly reference your claim number, date of loss, and the documents you provided. Politely request an update on the review status and an expected response date.
5. Send a Follow-Up Letter
If you do not receive a response within 14 days, send a concise follow-up letter by certified mail. Restate the purpose of your claim, list the documents submitted, and request confirmation of review.
6. Escalate if Necessary
If the adjuster fails to respond within a reasonable time, ask to speak with a supervisor or claims manager. Document each escalation step.
7. Know Your Filing Deadline
Personal injury suits in Mississippi must be filed within three years of the date of injury. See Miss. Code Ann. §15-1-49. Tracking your insurer’s response helps you prepare if you must pursue a lawsuit.
Next Steps: If your insurer continues to delay or denies your claim unfairly, consider consulting a licensed attorney for advice on your rights and potential legal remedies.
Helpful Hints
- Set calendar reminders for follow-up calls or letters.
- Keep copies of all medical bills, reports, and correspondence.
- Ask the insurer for a written explanation of any delay or denial.
- Check your policy for specific notice requirements.
- Consult an attorney before filing a lawsuit to understand costs and benefits.