Disclaimer: This article is for informational purposes only. It does not constitute legal advice. Consult a qualified attorney for guidance on your specific situation.
Detailed Answer
After you submit additional medical evidence for your personal injury claim, confirm that the insurance company received it. Prompt follow-up can speed the review process and keep your claim on track.
1. Track Your Submission
Keep copies of all medical records, bills, and communications. If you mail documents, use certified mail or another service that provides delivery confirmation.
2. Contact the Adjuster
Call the adjuster handling your claim. Provide your name, claim number, and the date you submitted new evidence. Ask when they expect to complete their review. If you reach voicemail, leave a clear message and follow up by email.
3. Follow Up in Writing
Within 7–10 days of your phone call, send a brief follow-up letter or email. Summarize your earlier contact, attach the same documents, and use a straightforward subject line like “Follow-Up on Claim #12345: Medical Records.”
4. Reference Oklahoma Unfair Claims Practices
If the insurer delays without explanation, remind the adjuster of 36 O.S. § 3636. This statute prohibits unfair claim settlement practices, including unreasonable delay in processing valid claims.
5. Escalate the Issue
If you do not receive a response within 15 business days, request to speak with a claims supervisor or manager. Record names, dates, and details of each conversation. Always follow up a call with a confirming email.
6. Involve the Oklahoma Insurance Department
If delays persist or you suspect bad faith, file a complaint with the Oklahoma Insurance Department online at oid.ok.gov/consumers/file-a-complaint/. The Department investigates unfair practices and helps resolve consumer disputes.
Helpful Hints
- Set calendar reminders for each follow-up step to avoid missed deadlines.
- Create a dedicated folder—digital or physical—for all claim-related paperwork.
- Keep your communications respectful, concise, and focused on facts.
- Briefly note each phone call: date, time, person spoken to, and summary.
- Ask the insurer to confirm any verbal commitments in writing to avoid misunderstandings.