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

Detailed Answer

When you submit additional medical evidence in support of a personal injury claim, it’s essential to follow up strategically. Clear, documented communication helps prevent delays and ensures the insurer processes your evidence promptly. Under New York law, insurers must handle claims in good faith and within a reasonable timeframe.

1. Know the Applicable Timelines

New York Insurance Law §2614(a) requires an insurer to pay or deny benefits within 30 days after receiving satisfactory proof of loss, including medical records and bills. Review the insurer’s claim handbook or policy for any additional deadlines. Missing these windows could delay your recovery or even foreclose certain remedies.

Link: N.Y. Ins. Law §2614

2. Keep Thorough, Organized Records

• Log each document submitted, with date, time, and method (email, portal, mail).
• Store copies of all medical reports, diagnostic images, physician notes, and bills in one folder.
• Record every phone call: note the date, time, person spoken to, and main points discussed.

3. Send a Formal Follow-Up Letter or Email

Wait at least 30 days after your submission, then send a concise letter or email. Include:

• Your name, claim number, and date of the original submission.
• A clear request for confirmation of receipt and an update on processing.
• Reference to N.Y. Ins. Law §2614(a) to remind the insurer of its obligations.
• Use certified mail with return receipt or read-receipt for email to create proof of delivery.

4. Be Professional and Persistent

Maintain a courteous but firm tone. If you don’t hear back within 10 business days of your follow-up letter, call the claims adjuster. Reference your previous communication and politely ask for a status report. Always document the outcome of each call.

5. Escalate If Necessary

If the insurer ignores your follow-up or issues an unexplained denial, consider these steps:

• Send a second letter to a supervisor or claim manager.
• File a complaint with the New York State Department of Financial Services: dfs.ny.gov/complaint/insurance.
• Consult an attorney to explore bad faith or unfair claims practices under N.Y. Ins. Law §2601.

Helpful Hints

• Create a simple spreadsheet to track dates, documents, and contacts.
• Always reference your claim number in every interaction.
• Attach a cover sheet listing submitted documents when you resend medical evidence.
• Use bullet points in letters to make your request clear and readable.
• Consider certified mail for key communications to establish a delivery record.