Detailed Answer
Under South Carolina law, you have the right to communicate directly with a bodily injury claims adjuster once you file a claim. Follow these steps to streamline the process and protect your interests:
- Gather Key Information: Before contacting the adjuster, collect your policy number, claim number, date and location of the incident, and any photos or medical records. This information speeds up verification.
- Request Adjuster Contact Details: Call your insurer’s customer service line. Ask directly for the name, phone number, and email address of the adjuster assigned to your bodily injury claim.
- Send a Written Notice: Under the South Carolina Unfair Claim Settlement Practices Act (SC Code §38-59-30), send a brief letter or email to the adjuster. State your name, claim number, and your request to discuss the claim. Keep proof of delivery (e.g., certified mail receipt).
- Document Every Interaction: Record the date, time, names, and topics of all calls and emails. Maintain a written summary of phone conversations within 24 hours. Good records help if disputes arise.
- Clarify Your Status: Let the adjuster know whether you are representing yourself or whether an attorney represents you. If you hire counsel later, update the adjuster immediately.
- Ask Focused Questions: Prepare concise questions about claim deadlines, required documents, and medical evaluation procedures. Use active language: “What medical records do you need?” rather than “I was wondering . . . ”
- Follow Up Promptly: If you don’t hear back within the insurer’s stated timeframe, send a polite reminder. Highlight key dates and refer to your prior correspondence.
- Know Your Rights: Insurers must handle claims fairly under SC Code §38-59-30(d). They must acknowledge your communications within 15 working days. If they fail, you can file a complaint with the South Carolina Department of Insurance (https://doi.sc.gov/).
Statute Reference: South Carolina Unfair Claim Settlement Practices Act, SC Code Ann. §38-59-30 (https://www.scstatehouse.gov/code/t38c059.php).
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always consult a qualified attorney about your specific situation.
Helpful Hints
- Keep a dedicated file—both digital and physical—for all claim documents.
- Use email when possible to create a written record of your requests.
- Stay polite and professional in all communications.
- Know your policy deadlines; missing them can delay your recovery.
- Consider hiring an attorney if the insurer undervalues your injuries or stalls.