How to Follow Up Effectively with an Insurance Company After Submitting Additional Medical Evidence

Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for advice tailored to your situation.

Detailed Answer

After you submit additional medical evidence in support of your personal injury claim in North Dakota, you need a clear strategy to ensure the insurer processes your information promptly. Follow these steps to maintain momentum and protect your rights:

1. Record Key Claim Details

Immediately note the claim number, date of submission, and the adjuster’s name. This information ensures consistency in every communication. Under North Dakota law, insurers must act in good faith and avoid unfair claim settlement practices (NDCC 26.1-17-04).

2. Set a Reasonable Follow-Up Timeline

Wait about 10–14 days after mailing or emailing your documents before following up. While state law does not impose a strict deadline for additional evidence review, carriers often respond within 30 days. If you hear nothing within that window, it’s time to check in.

3. Communicate in Writing

Send your follow-up via certified mail or email with read receipt. Address the message to your adjuster and include:

• Claim number and dates of prior submissions
• Copy of the medical evidence you provided
• Specific questions or requests (e.g., “Please confirm receipt of my medical records dated MM/DD/YYYY.”)

Keep copies of all correspondence and delivery confirmations for your records.

4. Ask Clear, Focused Questions

Structure your follow-up around concrete goals:

• Confirm receipt of new documentation.
• Ask if further information is needed.
• Request an estimated decision date.

Clear questions help the adjuster give precise answers.

5. Escalate When Necessary

If you do not receive a substantive response after two written follow-ups, request to speak with a supervisor. Remind the carrier of its statutory duty under NDCC 26.1-17-04. If delays persist, you may file a complaint with the North Dakota Insurance Department (nd.gov/nddoi).

Helpful Hints

• Maintain a communication log with dates, times, and summaries of all calls and emails.
• Always attach or enclose copies of any submitted medical records.
• Use polite but firm language to emphasize the importance of your request.
• Know the personal injury statute of limitations in North Dakota: 2 years from the date of injury (NDCC 28-01-16).
• Be proactive: don’t wait until the last moment to gather and send evidence.
• Consider consulting an attorney if the insurer’s delays become excessive or if you receive a low settlement offer.