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Detailed Answer

To establish direct communication with a bodily injury claims adjuster under Missouri law, a client should follow a clear, documented process. Below are the key steps:

1. Gather Claim and Policy Information
   This includes the policy number, claim number (if assigned), date and location of the accident, names of any witnesses, and a brief description of the injury. Accurate details help an insurer identify and assign an adjuster quickly.
2. Review Your Insurance Policy
   Check your policy’s notice requirements. Most Missouri policies require prompt notice of a claim. Timely notice preserves your rights. Missouri’s prompt-payment statute (RSMo § 379.230) also mandates that an insurer acknowledge your claim within 15 days and accept or deny liability within 30 days.
3. Send Written Notice of Claim
   Submit a formal notice to the insurer’s claims department. Use certified mail with return receipt. In your letter, reference the policy number, date of loss, summary of injuries, and request the name and direct contact information of the assigned adjuster.
4. Request Adjuster Assignment
   Under Missouri licensing rules, every claims adjuster must be licensed (RSMo § 375.085). In your written notice, specifically ask for the adjuster’s full name, direct phone number, and email address. Keep a copy of this request.
5. Follow Up by Phone and Email
   Call the insurer’s general claims line. Ask the representative to confirm the adjuster’s details. Send a follow-up email summarizing the call, including date, time, and names of representatives spoken to. This email creates an electronic record.
6. Maintain Communication Records
   Keep a detailed log of all phone calls, voicemails, emails, letters, and their dates. Note names of everyone you speak with. This record proves your diligence and helps track any delays.
7. Escalate if Necessary
   If the insurer fails to assign an adjuster or respond within reasonable time, escalate the issue. Ask to speak with a claims supervisor. If you still get no response, file a complaint with the Missouri Department of Commerce & Insurance (insurance.mo.gov consumer complaints).
8. Consider Formal Dispute Resolution
   If communication stalls or you disagree with the adjuster’s handling, review your policy’s appraisal or mediation clauses. Engaging an independent mediator or appraiser can help resolve disputes without immediate litigation.

By following these steps, a client creates a clear communication trail and encourages prompt engagement by the insurer’s adjuster.

Helpful Hints

• Use certified or registered mail to send all formal notices.
• Save all correspondence and take screenshots of emails or online chat transcripts.
• Always request written confirmation of the adjuster’s contact details.
• Be concise and factual in your written and oral statements.
• Avoid signing settlement documents or giving recorded statements without reviewing them with an attorney.
• Mark your calendar with deadline reminders based on your policy’s notice requirements.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice regarding your specific situation.