Disclaimer
This article is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for advice specific to your situation.
Detailed Answer
Step 1: Gather Policy and Claim Information
Start by locating your insurance policy, the claim number, date of loss, and any correspondence from the insurer. Accurate information speeds up communication and helps the adjuster verify your claim quickly.
Step 2: Identify the Assigned Adjuster
When an insurer opens a bodily injury claim, they assign an adjuster to handle your case. You can find the adjusters name and contact details on your claim acknowledgment letter or email. If you did not receive this, call the insurers main claims line.
Step 3: Contact the Insurer’s Claims Department
Call the insurer’s dedicated claims phone number, which you can find on your policy declarations page or the insurers website. Request to be connected to your adjuster by name or ask for the adjuster handling bodily injury claims. Keep a log of call dates, times, and representatives spoken to.
Step 4: Send a Formal Written Notice
Follow up your phone call with a written notice. Include your policy number, claim number, date of loss, and a brief description of the injury. Send this via certified mail or email and request a read receipt. This creates an official record of your attempt to communicate.
Step 5: Reference Adjuster Licensing Requirements
New Hampshire requires that claims adjusters be licensed under NH Rev. Stat. § 404:11. Citing this statute in your correspondence can remind the insurer of their obligation to provide a licensed adjuster and respond promptly.
Step 6: Escalate If Necessary
If you don’t hear back within 14 days, escalate your request. Ask to speak with the adjuster’s manager or the insurer’s claims supervisor. Continue documenting each attempt. Persistent, documented follow-up demonstrates good faith and may prompt quicker action.
Helpful Hints
- Save copies of all letters, emails, and call logs for your records.
- Remain professional and concise in all communications.
- Ask for written confirmation of any deadlines or next steps.
- Consider hiring an attorney if the insurer repeatedly delays or denies contact.
- Keep health care receipts and medical records organized to share with the adjuster.