Detailed Answer
When you submit additional medical evidence to an insurance company in Vermont, you want to ensure the adjuster reviews and updates your personal injury claim promptly. Follow these steps:
1. Review Your Policy and Claim Record
Check your insurance policy for deadlines and submission guidelines. Locate your claim number, adjuster’s name, and contact details. Confirm you’ve sent all requested documents, including medical reports, bills, and treatment summaries.
2. Send a Clear, Written Follow-Up
After you mail or email additional evidence, wait at least 10 business days. Then send a follow-up letter or email that:
- References your claim number and date of original submission.
- Lists the documents you provided.
- Requests acknowledgment or status update within 10 business days.
3. Cite Vermont’s Prompt-Payment Law
Under Vermont law, insurers must act reasonably promptly on communications and claims. See 8 V.S.A. §3663. Mentioning this statute reminds the adjuster of their legal duty and can speed a response.
4. Keep Detailed Records
Document every contact. Note dates, times, names, and the content of conversations or messages. Keep copies of letters, emails, medical bills, and receipts. A clear file helps if you need to escalate.
5. Set Reasonable Deadlines
In your follow-up, ask for a reply by a specific date (for example, within 10 business days). A clear deadline creates accountability and gives you a timeline for next steps.
6. Escalate if Necessary
If the insurer does not respond by your deadline, escalate:
- Contact the adjuster’s supervisor or the insurer’s claim department manager.
- Send a final notice referencing the 3-year statute of limitations for personal injury claims (12 V.S.A. §511).
- File a complaint with the Vermont Department of Financial Regulation: dfr.vermont.gov.
Helpful Hints
- Use certified mail or email read receipts for proof of delivery.
- Include a concise subject line like “Re: Claim #12345 – Additional Medical Evidence.”
- Ask for confirmation of receipt in each follow-up.
- Maintain copies of all medical records and bills you submit.
- Note the 3-year statute of limitations for personal injury claims in Vermont (12 V.S.A. §511).
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney to discuss the specifics of your case.