Detailed Answer
When you file a bodily injury claim in Indiana, direct communication with the claims adjuster speeds up settlement and reduces misunderstandings. Follow these steps to establish and maintain clear, documented contact:
- Locate the adjuster’s contact information. Review your insurance policy declarations and any claim acknowledgment letters or emails. Insurers usually list the adjuster’s name, phone number, email, and mailing address.
- Contact the insurer’s claims department. If you lack adjuster details, call the insurer’s main claims line. Ask for the adjuster assigned to your bodily injury claim by providing your policy and claim numbers.
- Send a formal written request. Draft a brief letter or email addressed to the adjuster. Include your name, claim number, date of loss, and a clear request for direct phone or email contact. Send it via certified mail or request a read-receipt for email.
- Keep a detailed communication log. Record each call or message: date, time, participant names, and subject. Save voicemail recordings and call-back confirmations. These records support your position if disputes arise.
- Escalate if there’s no response. If the adjuster fails to reply within 10 business days, follow up in writing. If you still receive no reply, ask to speak with a claims supervisor or manager. You may cite Indiana’s unfair claim settlement practices (IC 27-4-1-6), which require prompt acknowledgment and fair handling of claims.
- File a complaint with the Indiana Department of Insurance. As a last resort, submit a complaint online at the Indiana Department of Insurance website: idoi.in.gov. The department investigates violations of state insurance law.
Under Indiana Code §27-4-1-6, insurers must promptly acknowledge and act on communications, conduct reasonable investigations, and provide timely claim decisions. Documenting your efforts to contact the adjuster can help prove any unfair delays or bad-faith handling.
Helpful Hints
- Always reference your claim number in every communication.
- Be concise and polite—clear messages get faster responses.
- Save copies of all letters, emails, and notes from phone calls.
- Use certified mail or read-receipt email to confirm delivery.
- If the adjuster changes mid-claim, repeat these steps with the new adjuster.
- Consider hiring a personal injury attorney if communication breaks down or the insurer refuses to negotiate in good faith.
Disclaimer: This article is for educational purposes only. It does not constitute legal advice. Always consult a qualified attorney for guidance on your specific situation.