Disclaimer: This information is for educational purposes only and does not constitute legal advice.
Detailed Answer
In Michigan, a “claims adjuster” is defined under MCL 500.2102 and is the insurance professional responsible for evaluating and negotiating your bodily injury claim. To establish direct communication with the adjuster assigned to your case, follow these steps:
1. Review Your Policy and Claim Materials
Locate your declarations page and any claim acknowledgment you received. These documents often list the adjuster’s name, phone number, or email address. Note your claim number and date of loss.
2. Submit a Written Authorization
If you wish to authorize an attorney or other representative to speak on your behalf, send a signed Authorization to Disclose Information form to the insurer. Under MCL 500.2127a, this form allows the adjuster to share claim details with your chosen representative. Deliver it by certified mail or email and keep proof of receipt.
3. Use the Insurer’s Claims Hotline
Most carriers provide a 24-hour claims number. Call and reference your claim number. Ask specifically for the name, direct phone line, and email address of the bodily injury adjuster assigned to your file. Write down the date, time, and the name of the company representative you speak with.
4. Send a Formal Written Request
Draft a concise letter or email to the adjuster. Include your full name, claim number, date of loss, and a clear request for direct contact information. Send it via certified mail with return receipt or request an email read receipt. Retain copies of all correspondence and delivery confirmations.
5. Maintain Professional Communication
When you obtain the adjuster’s contact details, schedule calls rather than making unexpected inquiries. Prepare questions in advance and follow up in writing to confirm any verbal agreements. Track response times and topics discussed.
Citing Key Michigan Statutes:
- MCL 500.2102: Definitions (including “adjuster”)
- MCL 500.2127a: Authorization to Disclose Information
Helpful Hints
- Document every call and meeting: record date, time, participants, and notes.
- Use certified mail or email read receipts for written requests to create a clear record.
- Remain polite but assertive when requesting direct adjuster contact details.
- Track all deadlines for submitting additional evidence, bills, or medical records.
- If communication stalls or becomes unresponsive, consider filing a complaint with the Michigan Department of Insurance and Financial Services (DIFS).