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Detailed Answer

After you submit additional medical evidence in support of your personal injury claim, following up strategically can strengthen your case and prevent unnecessary delays. Under Nevada law, insurers must handle claims in good faith and follow certain timelines. Here’s how to proceed:

1. Confirm Receipt in Writing
   Send your medical evidence via certified mail or secure email. In your cover letter, list attached documents and request a written acknowledgment. Nevada Revised Statutes (NRS) 686A.310 prohibits unfair claim settlement practices, including unreasonable delays in communication. (NRS 686A.310)
2. Track Key Dates
   Note the date you sent additional records and the date the insurer acknowledges receipt. If you don’t hear back within 15 business days, follow up. Even though NRS 686A.310 does not set a mandatory response deadline, insurers typically respond within two weeks under industry standards.
3. Use Clear, Concise Communication
   In each follow-up letter or email, reference your claim number, adjuster’s name, date of loss, and a brief status request. Example: “Please confirm that you have received the MRI report dated June 10, 2023, and advise the current review status.”
4. Keep Detailed Records
   Maintain a log of calls, emails, and letters. Record dates, times, names of representatives, and summaries of discussions. This documentation proves your diligence if a bad faith dispute arises under NRS 686A.310.
5. Escalate When Needed
   If you receive no response after two written follow ups spaced two weeks apart, send a formal demand letter. Clearly state you expect a decision within 14 days. If the insurer still delays, you may file a complaint with the Nevada Division of Insurance: doi.nv.gov/Consumers/filecomplaint.
6. Monitor the Statute of Limitations
   Most personal injury claims in Nevada carry a two-year filing deadline from the date of injury. (See NRS 11.190(4).) Ensure your insurer’s handling doesn’t jeopardize timely lawsuit filing.

Helpful Hints

• Always get a claim number and adjuster’s name on first contact.
• Set calendar reminders for each follow-up milestone.
• Summarize phone calls in follow-up emails for verification.
• Send critical documents via methods that provide delivery confirmation.
• Keep copies of all medical records and correspondence.
• Consider consulting an attorney before sending a formal demand letter.

Disclaimer: This article provides general information about Nevada law. It is not legal advice. For advice specific to your situation, consult a qualified attorney.