Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
Establishing direct communication with a bodily injury claims adjuster can help you move your Utah auto insurance claim forward efficiently. Follow these steps to ensure clear, documented contact:
- Review your insurance policy and claim documents. Locate your policy number, claim number and insurer’s contact information. Identify any adjuster name or departmental contact listed on letters or emails from your insurer.
- Contact the insurance company’s claims department. Call the insurer’s main claims line to request the claims adjuster’s full name, direct phone number, email address and mailing address. Note the date, time and the name of the representative you speak with.
- Send a formal written request. Draft a concise letter or email addressed to the adjuster. Include:
- Your name, claim number and policy number.
- Date of loss and brief description of the incident.
- A clear request for a live discussion (telephone or in-person) to review your medical treatment, liability issues and settlement process.
- A deadline for response (e.g., within 10 business days).
- Use traceable delivery methods. Send the letter via certified mail with return receipt or request a delivery/read receipt for email. This creates a paper trail under Utah’s claims-handling rules.
- Attach supporting documentation. Include copies of medical records, bills, repair estimates and a police report. Organized exhibits help the adjuster prepare for a substantive discussion.
- Reference Utah’s statutory timeline. Under Utah Code §31A-26-303, insurers must acknowledge and act reasonably promptly on communications about claims. Citing this provision can encourage timely responses.
- Document all follow-ups. If the adjuster doesn’t respond by your deadline, send a polite reminder. Keep copies of every letter, email and log of phone calls. Accurate records strengthen your position if delays continue.
- Consider regulatory escalation. If the insurer fails to communicate after multiple attempts, you can file a complaint with the Utah Insurance Department. Refer to Utah Code §31A-2-308 for consumer complaint procedures.
Helpful Hints
- Maintain a dedicated file—store every piece of correspondence and a call log.
- Be courteous but firm in your tone.
- Summarize any oral conversations in follow-up emails to confirm what was discussed.
- Understand your policy’s coverage limits before discussions.
- If negotiations stall, consult a personal injury attorney to safeguard your rights.