Disclaimer: This article provides general information only and does not constitute legal advice. Always consult an attorney or authorized representative for advice on your specific situation.
Detailed Answer
If you sustained a bodily injury in New Jersey and filed an insurance claim, you may need to communicate directly with the insurer’s claims adjuster. Here are the key steps:
- Gather Claim Information
Before contacting the adjuster, collect your claim number, policy details, date of loss, and any medical records or bills. A clear file helps you explain your situation and supports your claim. - Identify the Assigned Adjuster
Your insurer must assign a licensed adjuster to handle your bodily injury claim under N.J.S.A. 17:29B-21 (adjuster licensing requirements). Look for their name and direct phone or email in your initial correspondence or call customer service to confirm. - Make a Formal Written Request
Send a brief, polite letter or email to the adjuster requesting direct communication. Include your contact details, claim number, and a proposed time frame to discuss your injury, treatment progress, and any coverage questions. - Document All Contacts
Keep a log of each interaction—date, time, who you spoke with, and a summary of the discussion. These records can prove vital if disputes arise over missed deadlines or unreturned messages. - Follow Up Promptly
If you don’t receive a response within 7–10 business days, send a courteous reminder. Reference your original request and reiterate the importance of timely communication for your medical care and claim evaluation. - Know Your Rights
Under New Jersey law, insurance companies must handle claims in good faith and avoid unreasonable delays (N.J.S.A. 17:22A-12). If the adjuster fails to respond or acts improperly, you may file a complaint with the New Jersey Department of Banking and Insurance (Consumer Complaints). - Consider Attorney Involvement
If direct outreach fails or the insurer undervalues your injury, an attorney can formally demand communication, negotiate on your behalf, and, if necessary, file suit. Having legal counsel often motivates insurers to engage more promptly.
Helpful Hints
- Remain professional. Friendly, clear language encourages cooperation.
- Use certified mail or read-receipt email to verify delivery of key requests.
- Prepare a list of questions before each call to stay focused.
- Keep copies of all bills, medical reports, and correspondence in one folder.
- Set calendar reminders for follow-up dates to avoid missed deadlines.
- Look up your insurer’s claim-handling guidelines on the New Jersey Department of Banking and Insurance website.