Detailed Answer
When you submit additional medical evidence to your insurance company to support your personal injury claim, your goal is to keep your claim moving toward a fair resolution. Under Maine law, insurers must handle claims promptly and in good faith. Here’s how to follow up effectively:
1. Confirm Receipt
Within a few days of mailing or emailing your evidence, call the insurer’s claims representative to confirm they received all documents. Note the date, time, and name of the person you speak with.
2. Send a Written Follow-Up
Within 7–10 days, send a concise, polite letter or email summarizing the medical evidence you provided, the date of submission, and your request for an update on the claim status. Request a written response by a specific date (usually 10–14 days from your follow-up).
3. Reference Maine’s Fair Claim Practices
Under Maine’s Unfair Claim Settlement Practices Act (24-A M.R.S. §2436), insurers must promptly investigate and respond to claims. If the insurer fails to reply within your specified timeframe, you can cite this statute in further communications.
4. Keep Detailed Records
Retain copies of all correspondence, medical records, and notes from phone calls. Organization helps if you need to escalate the matter or involve a regulator.
5. Escalate If Necessary
If the insurer misses your deadline, send a final demand letter referencing Maine law and warn of potential regulatory complaints. You may file a complaint with the Maine Bureau of Insurance (Consumer Complaints).
Be mindful of the statute of limitations for personal injury in Maine. Most claims must be filed within six years of the accident under 14 M.R.S. §752. Failing to file suit timely can bar recovery.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney to discuss your specific situation.
Helpful Hints
- Use certified mail or secure email to track all submissions.
- Stick to facts and avoid emotional language in your communications.
- Follow up promptly but allow reasonable time for the insurer to review new evidence.
- Consider hiring a personal injury attorney if the insurer remains unresponsive.
- Document all medical expenses and future treatment needs in detail.