How to Establish Direct Communication with a Bodily Injury Claims Adjuster in New Mexico
Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
When you file a bodily injury claim with an insurance company in New Mexico, the insurer must assign a licensed claims adjuster. Under NMSA 1978, § 59A-4-6, claims adjusters require a valid license to operate under state law. The New Mexico Unfair Insurance Practices Act, NMSA 1978, § 59A-16-20, also requires insurers to acknowledge and respond to communications promptly, generally within 15 business days.
Follow these steps to open direct lines of communication with your adjuster:
- Gather Claim Details: Collect your policy number, claim number, accident report, medical records, and any prior correspondence.
- Find Adjuster Contact Information: Check the insurer’s claim acknowledgment letter or online portal for the adjuster’s direct email and phone number.
- Send a Written Request: Draft a concise letter or email stating your name, claim number, and request for direct communication. Send by certified mail or request a read receipt for email.
- Keep Records: Log every call, email, and letter. Note dates, times, names, and key discussion points.
- Follow Up Promptly: If the adjuster does not respond within 15 business days, send a polite reminder. Citing NMSA 1978, § 59A-16-20 can emphasize your right to a timely reply.
- Escalate if Needed: Contact the adjuster’s supervisor or the insurer’s customer service line. If communication still fails, file a complaint with the New Mexico Office of Superintendent of Insurance at osi.state.nm.us.
Helpful Hints
- Be clear and concise in all written requests to avoid misunderstandings.
- Use certified mail or read receipts to track your correspondence.
- Maintain both digital and physical folders for all claim-related documents.
- Record phone calls after notifying the adjuster, if permitted by law.
- Consider consulting an attorney if your adjuster stalls or denies communication.
- Review insurer deadlines for submitting a proof of loss to ensure compliance.