Detailed Answer
If you suffered bodily injuries in Washington and filed an insurance claim, you can take specific steps to establish direct communication with your adjuster. While insurance carriers assign adjusters to review claims, you have the right to speak directly with the adjuster handling your case. The following process reflects Washington law on claim communication and good-faith settlement practices under RCW 48.30.015. This article does not provide legal advice but helps you approach the process confidently.
1. Review Your Insurance Policy
Start by reviewing your policy declarations. Look for the section on claim reporting and adjuster contact. Your policy outlines how claims are processed, deadlines, and contact methods.
2. Identify the Assigned Claims Adjuster
After you report your injury, the insurer should assign an adjuster and provide contact details. If you only have a general customer service number, call and request the name, direct phone number, and email of the adjuster handling your bodily injury claim.
3. Send a Written Request for Direct Communication
Send a clear, concise letter to the insurer’s claims department. State your claim number and request direct communication with the adjuster. Send via certified mail with return receipt requested to prove delivery.
4. Keep Detailed Records
Document all communications: note dates, times, names, and summary of conversations. Retain copies of letters, emails, and certified mail receipts. Accurate records help if disputes arise.
5. Escalate if Necessary
If the insurer delays or refuses communication, you can file a complaint with the Washington Office of the Insurance Commissioner (OIC). The OIC enforces claim settlement practices under RCW 48.30.015. You may also consult a personal injury attorney for guidance on your rights.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice tailored to your situation.
Helpful Hints
- Always request the adjuster’s direct line and email to avoid call center transfers.
- Use respectful, professional language in all communications.
- Keep copies of every document you send or receive.
- Follow up in writing after any phone call to confirm what was discussed.
- Consult the Washington OIC website for complaint forms: insurance.wa.gov.