Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified Michigan attorney for guidance on your specific situation.
Detailed Answer
After you submit additional medical evidence to support your Michigan personal injury claim, follow-up steps help keep your file on track and compel a timely response:
1. Confirm Receipt
Send your documents via certified mail or another trackable method. This establishes proof of receipt and dates your evidence delivery. Include a cover letter summarizing the attachments and reference your claim number.
2. Review Statutory Obligations
Michigan’s Unfair Claims Settlement Practices Act (MCL 500.2006) prohibits insurers from unreasonably delaying or denying claims. You can reference the statute for guidance on insurer timelines and duties: MCL 500.2006.
3. Document All Communications
Keep a detailed log of phone calls, letters, emails, and voicemails. Note dates, times, names of adjusters, and summaries of discussions. Well-organized records strengthen your position if disputes arise.
4. Send a Formal Follow-Up Letter
One to two weeks after confirmation of receipt, send a written follow-up asking for the adjuster’s review status and anticipated decision date. Restate your claim number, attach a copy of your original evidence, and request a written response.
5. Escalate When Necessary
If the adjuster does not reply within a reasonable time—typically 30 days—contact their supervisor or the insurer’s claim department manager. Be polite but firm. Cite your previous correspondence and the statutory requirement for prompt handling.
6. Consider a Regulatory Complaint
Should your insurer continue to stall, file a complaint with the Michigan Department of Insurance and Financial Services (DIFS). Complaints can spur an administrative review and often prompt faster insurer action.
7. Know When to Consult an Attorney
If follow-up efforts fail, or if the insurer unreasonably denies your claim, an attorney can evaluate filing a lawsuit or negotiating a settlement. A lawyer can also handle communications, ensuring timely compliance with statutory deadlines.
Helpful Hints
- Use a consistent file naming system for all medical records and correspondence.
- Request read receipts on emails to verify delivery.
- Maintain a claim diary with daily or weekly entries.
- Set calendar reminders for key follow-up dates (e.g., 14, 30, and 60 days after submission).
- Keep copies of every letter, fax confirmation sheet, and email thread.
- Remain polite but assertive; tone can influence an adjuster’s responsiveness.
- Review your insurer’s internal claim procedures, often available on their website.