How to Connect Directly with a Bodily Injury Claims Adjuster in Pennsylvania
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always consult a qualified attorney before making decisions about your claim.
Detailed Answer
When you file a bodily injury claim in Pennsylvania, your insurer assigns a claims adjuster to evaluate damages and negotiate any settlement. Establishing direct communication helps you stay informed and ensures your documentation is properly considered. Below are the key steps to take:
1. Identify Your Adjuster
Right after you report the accident, request the adjuster’s name, direct phone number, and email address. Pennsylvania regulations require insurers to designate a claims adjuster and provide contact details. See 31 Pa. Code § 146.6.
2. Send a Written Introduction
Follow up your initial phone call with a formal letter or email. Include:
- Your claim number
- Date, time, and location of the accident
- Brief summary of your injuries and medical treatment
- Request for direct contact information and a timeline for next steps
Send this by certified mail or with delivery/read receipt enabled, so you have proof of receipt.
3. Keep a Communication Log
Maintain a detailed log of every contact: date, time, who you spoke with, and what was discussed. This record can prove invaluable if disputes arise over missed calls or delays.
4. Provide Complete Documentation
Organize and forward medical records, repair estimates, wage-loss statements, and any expert reports. Label each document clearly and reference your claim number. Well-organized files encourage prompt review and reduce back-and-forth delays.
5. Follow Up Regularly
Ask the adjuster for a timeline on evaluation and follow up if you haven’t heard back within the expected window. A polite weekly or biweekly email can keep your file active.
6. Escalate If Necessary
If the assigned adjuster is unresponsive, ask to speak with their supervisor or the insurer’s claim department manager. Under Pennsylvania law, insurers must handle claims fairly and may face penalties for unreasonable delay. See 75 Pa.C.S. § 1711.
7. Consider Legal Representation
If communication stalls or the insurer undervalues your claim, consulting an attorney can help. Lawyers know the local adjusters and can negotiate more effectively on your behalf. They can also prepare a demand package and set deadlines for a response.
Helpful Hints
- Record Calls: If legal in your county, record phone calls (with notice) to document promises and admissions.
- Use Clear Subject Lines: In emails, start with “Claim #[your number] – Update Request.”
- Stay Organized: Keep a single folder or digital file for all correspondence and medical bills.
- Be Professional: Remain polite even if frustrated; adjusters respond better to courteous inquiries.
- Know Your Rights: Review the Pennsylvania Unfair Insurance Practices Act for additional protections.