Establishing Direct Communication with a Bodily Injury Claims Adjuster in Ohio

Disclaimer: This article is for educational purposes only and does not constitute legal advice.

Detailed Answer

When you file a bodily injury claim with an Ohio insurer, getting direct access to the claims adjuster streamlines the process. Below are key steps to help you establish and maintain clear, direct communication:

1. Review Your Insurance Policy.

   Examine your declarations page and policy provisions. Note any contact information listed for the claims department or adjuster assignments.

2. Submit a Written Notice of Claim.

   Ohio law requires insurers to acknowledge receipt of a first-party claim within 15 business days. See Ohio Rev. Code § 3901.21(A)(1): codes.ohio.gov/3901.21. Send your notice by certified mail or email, keeping proof of delivery.

3. Request Adjuster Contact Information.

   In your written notice, ask the insurer for the name, direct phone number, and email of the adjuster assigned to your claim. Insurers must provide this upon request.

4. Follow Up Promptly.

   If you do not hear back within the statutory time frame (15 days), follow up in writing. Reference the date you submitted your initial notice and restate your request.

5. Document All Communications.

   Keep a detailed log of phone calls: date, time, person spoken to, and a summary of the conversation. Retain copies of all emails and letters.

6. Be Clear and Concise.

   When you speak or write to the adjuster, state your objectives: verifying coverage, discussing medical bills, or negotiating settlement. Clear requests reduce delays.

7. Escalate If Necessary.

   If you cannot reach the adjuster after repeated attempts, contact the insurer’s claims supervisor or file a complaint with the Ohio Department of Insurance: insurance.ohio.gov.

Helpful Hints

• Always send important letters via certified mail to confirm delivery.
• Use a consistent format for logs to track calls and emails.
• Keep copies of medical bills and repair estimates organized and ready to share.
• Prepare a list of questions before each conversation with the adjuster.
• Remain professional and polite to build a cooperative rapport.