Detailed Answer
Establishing direct communication with a bodily injury claims adjuster in Texas requires a clear process. Follow these steps to connect efficiently while preserving your rights under Texas law.
- Review Your Insurance Policy
Locate the claims section to find deadlines, coverage limits, and contact channels. Understanding policy terms helps you ask informed questions. See Texas Insurance Code §541.061 on prohibited unfair settlement practices: https://statutes.capitol.texas.gov/Docs/IN/htm/IN.541.htm#541.061. - Submit a Written Notice of Claim
Under Texas Insurance Code §542.055, you must provide written notice of a claim. Send a concise letter describing the accident, injuries, and policy details. Keep a copy and proof of delivery: https://statutes.capitol.texas.gov/Docs/IN/htm/IN.542.htm#542.055. - Contact the Insurer’s Customer Service
Call the insurer’s toll-free claims number. Request the name, license number, and direct extension of the adjuster assigned to your bodily injury claim. Texas law prohibits insurers from delaying communications: see §542.056: https://statutes.capitol.texas.gov/Docs/IN/htm/IN.542.htm#542.056. - Send a Formal Demand Letter
Draft a demand letter summarizing your medical treatment, expenses, and pain and suffering. Cite your policy’s liability limits. Mail via certified mail or email with delivery receipt to ensure the adjuster receives it. - Document All Contacts
Keep a detailed log of calls, letters, and emails. Note dates, times, names, and summaries of each interaction. This record supports your claim and shows you made reasonable efforts to communicate. - Use the Texas Department of Insurance Resources
Verify the adjuster’s license and find contact info on the Texas Department of Insurance website: https://www.tdi.texas.gov/licensing/index.html. - Escalate If Necessary
If the adjuster fails to respond within the statutory time frame (15 business days for initial acknowledgment under §542.055), file a complaint with the Texas Department of Insurance: https://www.tdi.texas.gov/complaint/index.html.
Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for advice regarding your specific situation.
Helpful Hints
- Always ask for the adjuster’s full name, license number, and direct contact details.
- Keep copies of every document you send or receive.
- Use certified mail or email read-receipts for important correspondence.
- Prepare a concise summary of your injuries and expenses before each call.
- Follow up in writing after each phone conversation to confirm what was discussed.
- Note all deadlines in a calendar and set reminders.
- If you hit a communication roadblock, consider mediation or legal counsel.