Detailed Answer

Under Montana law, clear communication with your bodily injury claims adjuster can accelerate your claim resolution and ensure your concerns receive prompt attention. Follow these steps to establish direct contact and maintain an effective record of your interactions.

1. Gather Your Claim Information

Before making any calls, assemble your claim number, the insurer’s name, the date of the incident, and any prior correspondence. Having this data on hand helps the insurer route you to the correct adjuster.

2. Request Adjuster Contact Details

Call the insurer’s claims department and request the name, direct phone number, and email address of the adjuster handling your bodily injury claim. Under Mont. Code Ann. § 33-2-706, adjusters must hold a valid license (33-2-706). You can verify licensing through the Montana Commissioner of Securities and Insurance licensee search.

3. Send a Formal Written Request

Draft a concise, dated letter or email addressed to the adjuster. Include your name, claim number, incident date, a brief description of injuries, and a clear request for a phone call or face-to-face meeting. Send important letters via certified mail for proof of delivery. Always retain copies of every communication.

4. Cite Montana’s Prompt Payment Law

Montana’s prompt payment statutes require insurers to acknowledge and begin investigating claims within 15 days of notice. Under Mont. Code Ann. § 33-18-201, you can reference this requirement if you haven’t heard back within the statutory timeframe (33-18-201).

5. Maintain a Detailed Communication Log

Document every call, email, and letter. Note dates, times, names of representatives, and key discussion points. This log demonstrates diligence and can support any future disputes or legal actions.

6. Escalate When Necessary

If the adjuster remains unresponsive after reasonable follow-up (7–10 days), ask to speak with the claims supervisor. As a last resort, you may file a complaint with the Montana Commissioner of Securities and Insurance under Mont. Code Ann. § 33-2-141 (33-2-141).

Helpful Hints

• Keep all communications polite, concise, and factual.
• Use certified mail or read receipts for critical documents.
• Save digital backups of emails and attachments.
• Request written confirmation for any verbal agreements.
• Consider consulting a personal injury attorney if communications stall or disputes arise.