Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always consult a licensed attorney for guidance on your specific situation.
Detailed Answer
When you file a bodily injury claim in South Dakota, establishing direct communication with the insurer’s claims adjuster can speed up resolution and reduce misunderstandings. Under South Dakota law, adjusters must hold a valid license (SDCL 58-25-1) and comply with prompt investigation and response rules (SDCL 58-17-54). Follow these steps to connect effectively:
- Gather Claim Details. Compile your policy number, claim number, date of loss, police report, medical records, and any photographs. Having all information at hand makes each conversation more efficient.
- Send a Written Inquiry. Email or mail a letter (preferably via certified mail) to the insurer’s claims department. Request the name, direct phone number, and email of the adjuster assigned to your bodily injury claim.
- Call the Insurer’s Hotline. Use the customer service or claims phone number on your policy documents. Provide your claim number and ask to be connected to the adjuster. Note the date, time, and name of any representative you speak with.
- Introduce Yourself Professionally. When you reach the adjuster, clearly state your name, policy number, claim number, and nature of your injury. Explain that you wish to maintain direct communication to share updates and answer questions promptly.
- Document Every Interaction. Keep a log of phone calls (include date, time, and summary), save emails, and retain copies of mailed letters. Proper documentation can prevent disputes over missed communications.
- Follow Up in Writing. After any significant phone call, send a brief email summarizing the points discussed and any next steps. Ask the adjuster to confirm receipt and correct any misunderstandings in writing.
- Escalate If Necessary. If the adjuster does not respond within reasonable timeframes—generally 15 to 30 days under SDCL 58-17-54—consider filing a complaint with the South Dakota Division of Insurance at https://dlr.sd.gov/insurance.
Helpful Hints
- Maintain a dedicated folder—digital or paper—for all claim-related materials.
- Use concise, clear language in every email and letter.
- Always request written confirmation of any verbal commitments.
- Review your policy’s communication requirements section before contacting the insurer.
- Be polite but persistent—polite reminders often yield faster responses.
- If delays continue, you may wish to discuss next steps with an attorney experienced in South Dakota insurance law.