Disclaimer: This article is for general informational purposes and does not constitute legal advice. Consult a licensed Washington attorney to address your specific situation.
Detailed Answer
After you submit additional medical evidence to support your personal injury claim, proactive and organized follow-up is key. This helps you track your claim’s progress and ensures the insurer reviews your new information promptly.
1. Understand the Insurer’s Review Timeline
Washington law requires insurers to handle claims fairly and promptly. Under RCW 48.30.015 (Unfair Claims Settlement Practices), an insurer must acknowledge receipt of a claim within 10 days and not unreasonably delay investigation or payment. Knowing these deadlines helps you set realistic follow-up dates.
2. Choose the Right Communication Channel
Most insurance companies accept email, online portals or certified mail. If the insurer provided a claim adjuster’s direct email or an online claim number, use that channel. For critical updates, send a follow-up letter by certified mail with return receipt to document delivery.
3. Keep Detailed Records
Maintain a communication log. Record dates, times, names, and summaries of each call or message. Save copies of all emails, letters, medical reports and delivery confirmations. Organized records let you show when you sent evidence and when you followed up.
4. Craft Clear, Concise Follow-Up Messages
When you follow up, reference your claim number, the date you submitted medical evidence and the specific documents enclosed. Use bullet points to list attachments (e.g., updated MRI report, surgical notes). Close by asking for a status update and an estimated decision date.
5. Reference Washington’s Prompt-Payment Standards
If the insurer delays beyond reasonable timeframes, remind them of Washington’s prompt-payment rules. Under RCW 48.30.015, insurers must not unreasonably delay claim settlements. You can note that Washington’s Office of the Insurance Commissioner enforces these standards.
If you encounter unjustified delays or denials, you may file a complaint with the Washington Office of the Insurance Commissioner: https://www.insurance.wa.gov/file-complaint-insurance.
Helpful Hints
- Set calendar reminders for follow-up in 10–14 days after submitting evidence.
- Send critical requests via certified mail and keep delivery receipts.
- Request written confirmation of any verbal status updates.
- Attach a concise cover note summarizing each batch of medical records.
- Keep your tone professional and focused on facts.