Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney in Texas for guidance on your specific situation.
Detailed Answer
After you submit new medical evidence to an insurance adjuster, a clear, prompt follow-up helps move your personal injury claim along. Under Texas law, insurers must acknowledge receipt and respond within a reasonable time. While no specific deadline applies to every claim, practices under Texas Insurance Code Chapter 541 (Unfair or Deceptive Acts)—see https://statutes.capitol.texas.gov/Docs/IN/htm/IN.541.htm—encourage timely communication.
Here’s how to follow up effectively:
- Wait a reasonable period: Allow 10–14 business days for the adjuster to review new records.
- Use written communication: Send a concise, dated letter or email summarizing the documents you provided, the date you sent them, and your request for an update.
- Refer to policy obligations: Briefly note the insurer’s duty to handle claims promptly under Texas Insurance Code Chapter 556—see https://statutes.capitol.texas.gov/Docs/IN/htm/IN.556.htm—for claims and notices.
- Request a timeframe: Ask the adjuster to confirm receipt and provide an estimated date for next steps, such as a decision on liability or an offer amount.
- Keep records: Save all correspondence, including certified mail receipts or read receipts on emails. Create a file that tracks dates, names, and summaries of phone calls.
- Follow up by phone: If you receive no response in the timeframe you requested, call the adjuster. Introduce yourself, reference your letter or email, and politely ask for an update. Immediately send a brief confirmation email summarizing what you discussed.
- Escalate if needed: If the insurer ignores your requests or unreasonably delays, consider sending a formal demand letter with a deadline for response (often 30 days). You can reference potential bad-faith liability under Texas Insurance Code §541.060—see https://statutes.capitol.texas.gov/Docs/IN/htm/IN.541.htm#541.060.
Helpful Hints
- Organize your file: Label each medical record and invoice by date and provider for quick reference.
- Be professional: Use polite, concise language, and avoid emotional statements.
- Set reminders: Use a calendar or task manager to alert you when to follow up.
- Consider mediation: If delays persist, explore mediation or appraisal clauses in your policy.
- Consult counsel: If the insurer repeatedly stalls, a Texas personal injury attorney can advise on next steps or handle communications.