FastCounsel

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney for advice tailored to your situation.

Detailed Answer

When you file a bodily injury claim in Minnesota, direct communication with the insurance adjuster can help clarify your claim status and expedite resolution. Follow these steps to establish and maintain clear lines of communication:

1. Locate the Adjuster’s Contact Information
   Check your claim acknowledgment letter or the insurer’s website for the adjuster’s name, phone number, and email address. If you only have a general hotline, request the direct contact details of the person assigned to your file.
2. Gather Relevant Claim Details
   Before reaching out, compile your policy number, claim number, date of loss, and a brief summary of the injury. Having this information handy makes your communication efficient and professional.
3. Initiate Contact in Writing
   Send a concise email or letter to the adjuster. State your name, policy and claim numbers, date of loss, and your preferred follow-up method (phone or email). Written correspondence creates a record of your attempts to communicate.
4. Use Certified Mail
   If you mail a letter, use certified mail with return receipt requested. This method provides proof of delivery under Minnesota law (Minn. Stat. § 60A.20). It helps ensure the adjuster receives your correspondence and documents your efforts.
5. Follow Up by Phone
   Wait 5–7 business days after sending your written request, then call the adjuster’s direct line. Introduce yourself, reference your written communication, and request an update. Keep notes of the date, time, and the person you spoke with.
6. Document All Communications
   Maintain a log containing dates, times, call duration, and summaries of each conversation. Save copies of emails, letters, and delivery receipts. Clear documentation can support your claim and demonstrate good faith efforts if a dispute arises.
7. Be Professional and Concise
   Keep your messages focused on facts and necessary information. Avoid emotional language. Professional communication fosters cooperation and may reduce delays.
8. Escalate If Necessary
   If the adjuster does not respond within 14 days, send a follow-up written request. Reference your prior attempts. If there’s still no response, file a complaint with the Minnesota Department of Commerce (Minn. Stat. § 45.027) or consult an attorney for next steps.

By following these steps, you create a clear paper trail, demonstrate your diligence, and facilitate smoother communication with the insurance adjuster.

Helpful Hints

• Review your insurance policy’s communication provisions to confirm timelines and procedures.
• Maintain a binder or digital folder for all claim-related documents.
• Use a professional email address that includes your name, not a personal nickname.
• Ask the adjuster to confirm receipt of important documents in writing.
• Keep a list of any witnesses or medical providers you reference in your communications.
• Consider requesting voicemail or email confirmations after key phone calls.