Disclaimer: This article is for educational purposes only and does not constitute legal advice.
Detailed Answer
When you file a bodily injury claim in Nevada, establishing direct communication with the insurers claims adjuster can help you track your claims progress and resolve disputes more efficiently. Follow these key steps under Nevada law:
1. Review Your Insurance Policy
Locate your policys declarations page and relevant endorsements. Note your claim number, policy limits, and deadlines for notice of loss. Understanding your coverage prepares you to communicate clearly.
2. Identify the Claims Adjuster
Your insurer must assign a licensed adjuster to investigate and handle your bodily injury claim. Nevada Revised Statutes (NRS) require adjusters to hold a valid license (NRS 683A.110) and to act in good faith (NRS 686A.310).
3. Send a Formal Written Request
Draft a letter or email addressing the adjuster by name. Include:
- Your full name and contact information
- Claim number and date of loss
- A clear request for direct communication (phone number, email address, preferred hours)
- A concise summary of your outstanding questions or concerns
Send this communication via certified mail with return receipt or via email with delivery/read-receipts enabled. This creates an official record of your request.
4. Reference Nevadas Timely Communication Requirements
Point to NRS 686A.310, which prohibits unfair claim settlement practices such as unreasonable delays or failure to acknowledge communications in a timely manner. Including a brief citation can motivate prompt responses.
5. Follow Up by Phone
If you do not receive a written reply within 10 business days, place a follow-up call. Record the date, time, person spoken to, and summary of the conversation. Confirm in writing any commitments made by the adjuster during that call.
6. Escalate if Necessary
If direct efforts fail, request to speak with the adjusters supervisor or the insurers claims manager. If the insurer still does not respond, you may file a complaint with the Nevada Division of Insurance (NDOI). For assistance, contact the NDOI Ombudsman under NRS 679B.130.
Helpful Hints
- Keep organized records: save copies of all letters, emails, and notes from phone calls.
- Maintain a professional tone: clear, concise requests are more likely to elicit a positive response.
- Use delivery receipts: certified mail and email read-receipts provide proof of your efforts.
- Stay within statutory deadlines: most policies require prompt notice of a claim.
- Consider involving an attorney if communications break down or if you face unfair claim-handling practices.