Disclaimer: This information is for educational purposes only and does not constitute legal advice. Consult a licensed attorney for advice about your specific situation.
Detailed Answer
After you submit additional medical evidence to support your South Dakota personal injury claim, follow these steps to keep your claim moving and demonstrate professionalism:
- Confirm Receipt Promptly: Within 3–5 business days, contact the insurance adjuster by email or certified mail. Reference your claim number, date of evidence submission, and list the documents provided. Ask for written acknowledgment of receipt.
- Set a Follow-Up Timeline: If you don’t receive confirmation within 10 business days, send a polite reminder. South Dakota law discourages unreasonable delays in claim handling. See SDCL 58-12-6(1) (claim communications).
- Use Multiple Communication Channels: After email, follow up by phone. Keep a written log of dates, times, names, and summaries of each conversation. If voicemail is the only option, leave a concise message and request a return call.
- Request a Timeline for Next Steps: Ask the adjuster for an estimated review period for your new evidence. Refer to your policy provisions and state regulations to reinforce that the insurer must handle claims without undue delay. Under SDCL 58-12-9 (reasonable investigation), insurers should finish their investigation promptly.
- Document All Correspondence: Save copies of emails, letters, certified-mail receipts, and notes from phone calls. Organize them chronologically in a digital or paper file. Documentation helps if you need to escalate the matter.
- Escalate if Necessary: If the insurer misses promised deadlines without explanation, send a formal letter stating that you will file a complaint with the South Dakota Division of Insurance. The Division enforces unfair claim settlement practices under SDCL 58-12-2 (unfair trade practices).
- Consider Legal Advice: If delays persist or you receive an unfair offer, consult a personal injury attorney. Many attorneys offer free initial consultations to review your claim and correspondence.
Helpful Hints
- Always send important documents via certified or registered mail to create a paper trail.
- Keep your tone professional and concise; avoid emotional language in writing.
- Refer to specific policy sections or statutory provisions when discussing timelines.
- Use a spreadsheet or claim-management app to track deadlines and communications.
- If you speak with multiple adjusters, confirm each conversation in writing to avoid misunderstandings.