Disclaimer: This article is for educational purposes only and does not constitute legal advice.
Detailed Answer
After you submit additional medical evidence for a personal injury claim in Oregon, it’s critical to follow up methodically to keep your claim moving. The Oregon Insurance Code requires insurers to promptly investigate and communicate about new information (ORS 742.504).
- Document Your Submission: Keep a copy of every medical report, cover letter, and proof of delivery. Note the date you sent the evidence and how you sent it (certified mail, email with read receipt, etc.).
- Send a Professional Cover Letter: Summarize the new evidence, reference your claim number, date of loss, and any prior communication. A clear cover letter helps the adjuster understand why this evidence matters.
- Use a Reliable Delivery Method: Choose certified mail or a courier that provides tracking and a delivery receipt. This creates an official record of when the insurer received the evidence.
- Set a Reasonable Response Deadline: In your cover letter, request a response within 14 calendar days. A polite deadline encourages prompt attention and gives you grounds to escalate if the insurer stalls.
- Confirm Receipt by Phone or Email: One week after mailing, call the adjuster or claim representative. Politely confirm they received the evidence and ask if they need anything else to evaluate your claim.
- Follow Up in Writing: After any phone call, send a brief email or letter summarizing what was discussed and any next steps. This creates a paper trail and avoids misunderstandings.
- Escalate if Needed: If you receive no response by your deadline, send a follow-up letter to the adjuster’s supervisor. Restate your submission date, the evidence provided, and your request for a status update.
- Consider a Complaint: Should the insurer continue to ignore or deny valid evidence, you may file a complaint with the Oregon Division of Financial Regulation (dfr.oregon.gov). They oversee insurer compliance with ORS 742.
Helpful Hints
- Keep a centralized file with all medical records, correspondence, and notes.
- Address all letters to the adjuster by name and include your claim number in the subject line.
- Be concise and factual in every communication—avoid emotional language.
- Maintain a log of calls: date, time, person spoken to, and summary of the conversation.
- If you hire an attorney, they can formally demand proof of claim handling under ORS 742.504.
- Stay patient but persistent—insurers process many claims, but your diligence shows you’re serious.