Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice specific to your situation.
Detailed Answer
When you file a bodily injury claim in Wisconsin, direct communication with the claims adjuster can speed resolution and reduce misunderstandings. Follow these steps to establish and maintain clear contact:
1. Gather Key Information
Before you reach out, assemble all relevant details:
- Policy number and insurer name.
- Claim number (if assigned) or date you reported the claim.
- Basic facts of the incident (date, location, injuries).
2. Review Your Insurance Policy
Read the bodily injury section of your policy. Note any deadlines or notice requirements. Many policies require prompt written notice to preserve your rights.
3. Contact the Insurer’s Main Claims Department
Call the insurer’s 800-number or dedicated claims line. Ask to speak directly with the adjuster assigned to bodily injury claims. If no adjuster is assigned, request the name and direct extension or email of the person handling your file.
4. Send a Written Follow-Up
After your phone call, follow up in writing (email or certified mail):
- Recap the date and content of your call.
- Attach supporting documents: police report, medical records, photos.
- Keep copies of all correspondence. Wisconsin law allows you to request copies of your claim file. See Wis. Stat. § 632.75(1): Adjuster license and definitions.
5. Track All Communications
Maintain a log of every call, email, or letter. Note dates, times, names, and summaries. This record supports your claim if a dispute arises.
6. Invoke Statutory Rights if Needed
Wisconsin prohibits unfair claims practices. If the insurer fails to respond in good faith, you can cite Wis. Stat. § 628.34 (Unfair claims practices): https://docs.legis.wisconsin.gov/statutes/statutes/628/34. If necessary, file a complaint with the Wisconsin Office of the Commissioner of Insurance (OCI).
7. Escalate Thoughtfully
If the adjuster remains unresponsive after reasonable efforts (10–14 days), request to speak with a supervisor. You can also ask the OCI for assistance by visiting www.oci.wi.gov.
Helpful Hints
- Communicate in writing whenever possible to create a paper trail.
- Use clear, concise language and avoid blaming or accusing.
- Organize your medical documentation chronologically.
- Keep copies of every document you send or receive.
- Be polite yet firm when you follow up to show professionalism.
- Set calendar reminders for key deadlines (notice, response times).
- Consider hiring an attorney if the insurer continues to delay in violation of Wis. Stat. § 628.34.