Detailed Answer
Establishing direct communication with a bodily injury claims adjuster in Rhode Island helps you streamline your case and protect your rights. Follow these steps under Rhode Island law:
- Locate your claim information. Note your policy number, claim number, date of loss, and adjuster name (if provided). You’ll find these on your insurer’s claim acknowledgment letter or email.
- Review your insurance policy. Understand your coverage, limits, and any notice requirements. Rhode Island law requires prompt notice of an accident to your insurer—see R.I. Gen. Laws § 27-7-6 (unfair settlement practices).
- Send a written request. Draft a clear letter or email to the insurer’s claims department requesting direct contact with the adjuster assigned to your bodily injury claim. Include your claim number, date of loss, and contact details. Keep a copy for your records.
- Designate an authorized representative, if needed. If you prefer to work through an attorney or other representative, provide a written power of attorney or authorization form. Rhode Island does not require an attorney to communicate with an adjuster, but a written designation clarifies who speaks for you.
- Follow up by phone. If you don’t hear back within 7–10 business days, call the insurer’s main claims line. Ask to be connected to your adjuster by name or claim number. Note the date, time, and name of the person you spoke with.
- Document all interactions. Keep a log of calls, emails, and letters. Record dates, times, topics discussed, and any commitments the adjuster makes. This record supports your claim if any dispute arises.
- Request a recorded statement only when ready. Insurers often seek recorded statements early. Consult your representative before agreeing. Under R.I. Gen. Laws § 27-7-2, insurers must conduct fair investigations and avoid misrepresentation.
- Escalate concerns, if necessary. If you experience unreasonable delays or unfair practices, you can file a complaint with the Rhode Island Department of Business Regulation at dbr.ri.gov/complaints.
Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult an attorney for guidance on your specific situation.
Helpful Hints
- Always send important correspondence by certified mail or with delivery confirmation.
- Keep copies of medical bills, repair estimates, and police reports to share promptly with the adjuster.
- Use concise, professional language in all communications to avoid misunderstandings.
- Be proactive: early engagement can speed claim resolution and prevent unnecessary delays.
- Track deadlines in your insurance policy to avoid missing notice requirements.