Disclaimer: This article provides general information about communicating with a bodily injury claims adjuster in North Dakota. It does not constitute legal advice.
Detailed Answer
When you file a bodily injury claim, clear communication with the insurer’s claims adjuster helps you track the progress and protect your rights. Under North Dakota law, insurers and their adjusters must handle claims fairly and promptly. See NDCC Title 26.1-04 (licensing) and NDCC §26.1-36-19 (unfair claim settlement practices).
- Identify the correct adjuster and contact details. Check your claim acknowledgment letter or insurer’s website. Confirm the adjuster’s name, direct phone number, email, and mailing address.
- Send a written communication. Draft a concise letter or email. Include your claim number, date of loss, policy number, and a brief status request. Cite the insurer’s duty to investigate and respond under NDCC §26.1-36-19. Keep a dated copy.
- Use certified mail or email with read receipt. This creates proof of delivery and triggers the insurer’s statutory time to respond. North Dakota regulations require insurers to acknowledge claim communications promptly.
- Follow up by phone. After 5–7 business days, call the adjuster. Note the date, time, and content of the conversation. Remain polite, professional, and focused on the status of your claim.
- Document every interaction. Keep a claim journal. Record call dates, persons spoken with, summaries, and next steps. This record supports your position if disputes arise.
- Escalate if needed. If the adjuster fails to respond within a reasonable time (usually 15–30 days), send a formal written notice citing unfair claim practices under NDCC §26.1-36-19. Copy your insurer’s claims manager and the North Dakota Insurance Department (ND DOI).
By following these steps, you establish clear, documented channels of communication and remind the insurer of its legal obligations under North Dakota law.
Helpful Hints
- Gather all claim documents (medical bills, repair estimates) before contacting the adjuster.
- Keep your tone courteous but firm to maintain a professional record.
- Use clear subject lines (e.g., “Claim #12345 – Status Request”).
- Ask for a timeline on next steps and required documentation.
- Consider hiring an attorney if the insurer still delays or undervalues your claim.