Disclaimer: This article does not provide legal advice. It is for informational purposes only.
Detailed Answer
Under Oregon law, a bodily injury claimant may communicate directly with a claims adjuster by following clear, documented steps. Although the Oregon Insurance Code does not mandate specific timelines for initial contact, it prohibits unfair claim settlement practices, including unreasonable delays or evasions (ORS 742.016). Use the process below to secure direct, documented communication:
- Review your insurance policy. Identify your insurer’s claim department phone number, email address and claim‐reporting procedures.
- Notify the insurer of your injury. Report the incident to the insurer as soon as possible via the method prescribed in your policy (e.g., phone, email, online portal). Keep a record of the date, time and contact person.
- Request the adjuster’s contact information. Once the insurer assigns a claim number, ask for the name, direct phone number, email and mailing address of the adjuster handling your bodily injury claim.
- Send a written confirmation. Follow up via certified mail or email with read‐receipt to the adjuster. Summarize the incident, outline injuries and request an acknowledgement of receipt.
- Keep detailed records. Log every outreach—dates, times, methods and substance of communications. Save voicemails, emails and letters.
- Escalate if you do not hear back. If you receive no response within two weeks, contact the insurer’s claim supervisor or file a complaint with the Oregon Division of Financial Regulation (DFR complaint portal). Under ORS 742.016, failure to communicate may qualify as an unfair settlement practice.
Helpful Hints
- Use certified mail for written requests to create an official record of delivery.
- Maintain a single chronological file (electronic or paper) for all claim documents and correspondence.
- Always ask for written confirmation of phone conversations, including date, time and summary of what was discussed.
- Check your policy’s deadlines for reporting injuries and proof-of-loss requirements to avoid coverage issues.
- Consider consulting a personal injury attorney if the insurer delays communication or undervalues your claim.