How to Follow Up Effectively with an Insurance Company After Submitting Additional Medical Evidence in Rhode Island
Disclaimer: This article is for educational purposes only. It is not legal advice. Consult a qualified attorney for guidance on your specific situation.
Detailed Answer
When you submit additional medical evidence to an insurer during a personal injury claim, timely and clear follow-up can help ensure the carrier evaluates your documentation properly. Under Rhode Island law, insurers must handle claims in good faith and adhere to Unfair Claim Settlement Practices (Regulation 2) and R.I. Gen. Laws § 27-37-11.
1. Confirm Receipt Promptly
Within 5–7 business days of mailing or emailing your medical records, contact the claim adjuster. Provide your claim number, date of submission, and a concise list of documents sent. Ask them to acknowledge receipt in writing (email is best).
2. Document All Communications
Keep a written log of every interaction. Note the date, time, adjuster’s name, and a summary of what was discussed. Save all emails and any letters you send or receive. This record can prove invaluable if the insurer delays or disputes your evidence.
3. Use Certified Mail or Email with Read Receipt
If you send paper documents, use certified mail with return receipt. Retain the green card proof. For electronic submissions, request a read receipt and save the delivery confirmation. This establishes a clear timeline.
4. Set a Reasonable Response Deadline
In your follow-up letter or email, politely request a response within 10–14 days. If the insurer needs more time to review complex medical evidence, they should let you know and propose a new timeline.
5. Escalate If Necessary
If you don’t receive an acknowledgment or substantive reply, send a second letter referencing your first. Cite R.I. Gen. Laws § 27-37-11, which prohibits unreasonable delays in claim settlement. If delays persist, consider filing a complaint with the Rhode Island Department of Business Regulation, Insurance Division.
6. Monitor the Statute of Limitations
Rhode Island imposes a three-year statute of limitations on personal injury actions under R.I. Gen. Laws § 9-1-13. Track key dates to preserve your right to sue if negotiations stall or the insurer denies your claim.
7. Prepare for Next Steps
If the insurer denies coverage or undervalues your claim, request a written explanation of benefits. You can then decide whether to demand appraisal, mediation, or begin litigation. Retain all records to support your position.
Helpful Hints
- Always reference your claim number in every communication.
- Keep records organized by date in a dedicated file or digital folder.
- Be polite but firm—insurers must act in good faith under state law.
- Use clear, concise language; avoid emotional statements.
- Copy your attorney or trusted advisor on key emails, if you have one.
- Mark your calendar with deadlines to follow up or take legal action.