Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult an attorney for advice specific to your situation.
Detailed Answer
Establishing direct communication with a bodily injury claims adjuster in Tennessee starts with organizing your claim information and following the insurer’s procedures. Tennessee law requires adjusters to be licensed and to adhere to fair claims practices under T.C.A. § 56-6-112 and the Unfair Claims Settlement Practices Act, T.C.A. § 56-8-104. Below are the practical steps:
- Gather essential documents: Locate the insurance policy, claim number, accident report, medical records, and any correspondence with the insurer. Having these on hand speeds up verification.
- Contact the insurer’s claim department: Use the phone number on your policy or the insurer’s website. Provide your policy number, claim number, date of loss, and a brief description of your bodily injury claim.
- Request the adjuster’s direct contact information: Ask for the name, phone number, and email of the adjuster assigned to your file. Tennessee adjusters must identify themselves and their license number upon request. See T.C.A. § 56-6-112 (Insurance adjuster license). Link: T.C.A. § 56-6-112.
- Follow up in writing: Send a concise email or certified letter to the adjuster summarizing your telephone conversation, restating your request to communicate directly, and listing any outstanding documentation. This creates a paper trail.
- Keep records of all communications: Log dates, times, names of representatives, and summaries of each conversation. File copies of emails, letters, and delivery receipts for certified mail.
- Escalate if necessary: If you cannot reach the adjuster within a reasonable time (e.g., two weeks), contact a supervisor or the insurer’s ombudsman. Reference T.C.A. § 56-8-104 on unfair claims practices to remind the insurer of its duty to conduct prompt, fair, and equitable investigations. Link: T.C.A. § 56-8-104.
- File a complaint with TDCI: If the insurer still fails to respond, you may file a complaint with the Tennessee Department of Commerce & Insurance (TDCI) via their online portal or by mail. TDCI oversees insurance adjuster licensing and enforces unfair practices statutes.
Helpful Hints
- Always reference your claim number in every communication.
- Use certified mail when sending important documents to create proof of delivery.
- Maintain a dedicated claim folder—physical or digital—for all records and correspondence.
- Be polite yet persistent; professional tone encourages cooperation.
- Set calendar reminders for follow-up calls or deadlines.
- Review your policy’s contact and dispute resolution provisions for extra guidance.
- Consider retaining an attorney if communication issues persist or if the claim is denied.