Disclaimer: This article is for educational purposes only and does not constitute legal advice.
Detailed Answer
After you submit additional medical evidence to support your personal injury claim, the insurance company must review and update its evaluation. Under Minnesota law, insurers must handle claims in good faith and avoid unreasonable delays. Minn. Stat. §72A.20 prohibits unfair claim settlement practices, including failure to promptly investigate or respond. (See Minn. Stat. §72A.20.)
Insurance carriers generally acknowledge receipt of new evidence within 10 to 30 days. If you don’t receive confirmation, follow these steps:
Key Steps to Follow Up Effectively
- Confirm Receipt. Wait about 10 business days after mailing or emailing the documents. Then call the claims department, reference your claim number, and ask if they received your medical evidence.
- Send a Summary Letter or Email. Draft a concise message that lists each document you submitted, the dates of service, and how the evidence supports your injury. Request a written acknowledgment and status update within a specific timeframe (for example, 15 business days).
- Track All Communications. Log the date, time, person spoken to, and main points of each conversation. Keep copies of emails, letters, and certified mail receipts.
- Set Follow-Up Reminders. Use a calendar system to remind yourself to check in before any deadlines expire. Timely follow-up shows you are organized and may prompt a quicker response.
- Escalate if Necessary. If the adjuster does not respond within your stated deadline, ask to speak with a supervisor. Politely mention Minn. Stat. §72A.20 to remind them of their obligations. If delays continue, consider filing a complaint with the Minnesota Department of Commerce (mn.gov/commerce).
When to Seek Legal Advice
If the insurer ignores your follow-ups, undervalues your claim, or denies coverage without explanation, you may need to consult an attorney. A lawyer can help you understand your rights, negotiate a settlement, or file a lawsuit before Minnesota’s two-year statute of limitations expires under Minn. Stat. §541.07 (see Minn. Stat. §541.07).
Helpful Hints
- Use certified mail or email read-receipts to document delivery.
- Organize medical records by date and provider for quick reference.
- Note key deadlines, including the statute of limitations and any insurer-set timelines.
- Maintain a professional tone in all communications.
- Request written reasons for any claim denial or low settlement offer.