Detailed Answer
Establishing direct communication with a bodily injury claims adjuster in Wyoming helps you protect your rights and streamline your claim. Follow these steps:
- Review your insurance policy declarations. Identify the insurer’s name, policy number and coverage limits. Note the bodily injury section to understand your entitlements.
- Locate the claims adjuster’s contact information. Check your insurer’s acknowledgment letter or email. Insurers must assign a licensed adjuster to your claim under Wyo. Stat. § 26-13-130 (Insurance Adjuster Licensing).
- Gather your documentation. Prepare the accident report, photos, medical records and any repair estimates. A complete file encourages the adjuster to reply promptly.
- Initiate contact by phone and follow up in writing. Call the adjuster during regular business hours. After the call, send a brief email or certified letter summarizing your discussion and confirming next steps. Written follow-up helps prevent misunderstandings and creates an audit trail.
- Set clear expectations. Politely ask for the adjuster’s timeline for investigation, evidence review and decision. Wyoming law prohibits unfair claims settlement practices, including unreasonable delays, under Wyo. Stat. § 26-14-104 (Unfair Claims Settlement Practices).
- Document all communications. Keep notes of phone calls (date, time, name of person spoken to and key points). Save emails, letters and voicemail recordings. This record proves vital if disputes arise.
- Escalate if necessary. If the adjuster is unresponsive, ask to speak with a supervisor or contact your insurer’s customer service. As a last resort, file a complaint with the Wyoming Department of Insurance at doi.wyo.gov Consumer Resources.
Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a licensed attorney for guidance on your specific situation.
Helpful Hints
- Maintain a chronological file with all case-related docs.
- Use clear, concise language in all written correspondence.
- Send important documents via certified mail and keep receipts.
- Be courteous; a professional tone fosters cooperation.
- Consider consulting a personal injury attorney if the insurer undervalues your claim.