Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
When you file a bodily injury claim in Mississippi, establishing direct communication with the insurance adjuster helps ensure a smooth claims process. Follow these steps:
- Review your insurance policy and claim documents: Gather your policy number, declarations page and claim file number. This data will help the adjuster locate your file quickly.
- Submit a written communication request: Send a letter or email to the insurer’s claims department. Include your full name, contact details, claim number and a clear request to speak with the adjuster assigned to your case. Use certified mail or a read-receipt email to confirm delivery.
- Contact the insurer’s customer service: Call the insurer’s main phone line. Reference your claim number and ask for the direct phone or email of the adjuster handling bodily injury claims. Politely request an introduction or transfer.
- Track all communications: Keep a log of dates, times, names of representatives, and summaries of conversations. Retain copies of letters, emails and delivery confirmations. This record helps if you later face disputes over unresponsiveness.
- Reference Mississippi’s Unfair Claims Settlement Practices Act: Under Miss. Code Ann. § 83-11-201 (link), insurers must acknowledge communications within 15 days and provide a statement of coverage or deny the claim. Citing this statute can encourage timely responses.
- Follow up regularly and professionally: If you do not hear back, send a polite follow-up communication every week. Restate your request for a meeting or phone call.
- Consult counsel if necessary: If the insurer repeatedly ignores your requests, consider contacting an attorney experienced in Mississippi bodily injury claims. An attorney can send a formal demand letter and negotiate directly with the adjuster on your behalf.
Helpful Hints
- Always keep a centralized file of all claim-related documents.
- Use concise, clear language in emails and letters.
- Ask for the adjuster’s direct phone number and email on initial contact.
- Be polite but persistent – adjusters handle many claims.
- Note response deadlines to hold the insurer accountable under state law.