Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
Step 1: Identify the Insurance Carrier and Assigned Adjuster
After suffering a bodily injury in Oklahoma, obtain your insurance company’s name and policy number. Contact the insurer’s claims department and request the name, phone number and email address of the claims adjuster handling your bodily injury claim. Oklahoma law requires insurers to designate an adjuster to manage your case. For more details on unfair claims practices, see 36 O.S. §1250.4.
Step 2: Send Formal Notice of Claim
Although Oklahoma does not set a strict deadline for initial notice, timely notification protects your rights. Draft a “Notice of Claim” letter that includes your name, date of injury, and a brief summary of damages. Send it by certified mail with a return receipt to the insurer’s claims office. Keep a copy and the mailing receipt.
Step 3: Request a File Access Conference
Under 36 O.S. §3624, you can request to review your claim file. Submit a written request to the insurer and adjuster. Propose a date within 30 days for the conference. Use this meeting to inspect medical records, adjuster notes and repair estimates.
Step 4: Communicate in Writing and Track All Correspondence
After you have the adjuster’s contact details, follow up with an email or letter summarizing any phone calls. List your questions clearly. Attach copies of medical bills, repair invoices and other supporting documents. Written communication creates an accurate record.
Step 5: Follow Up Promptly and Escalate if Necessary
Adjusters must acknowledge written communications within 15 business days under 36 O.S. §1250.4. If you don’t hear back in that time, send a formal follow-up letter. If delays persist, file a complaint online with the Oklahoma Insurance Department at https://www.oid.ok.gov.
Helpful Hints
- Keep a detailed communication log with dates, times and topics.
- Use certified mail or email with a read-receipt to confirm delivery.
- Tag all documents with a reference number or date for easy retrieval.
- Stay polite but assertive in all interactions with the adjuster.
- Consult an attorney before signing any release or settlement offer.
- Retain copies of all medical reports and repair estimates.
- Review your policy’s deadline and cooperation clauses to avoid technical denials.