Detailed Answer
Under Vermont law, a client can take clear, structured steps to reach a bodily injury claims adjuster and ensure the insurer responds promptly. Follow these stages to establish direct communication:
- Gather policy and claim details. Review the declarations page, policy number and date of loss. Note your claim number and the adjuster’s name if provided in initial correspondence.
- Identify the adjuster’s contact information. Check your insurer’s claim acknowledgment letter or the insurer’s website. If the adjuster’s details are missing, call the insurer’s main claims line and request the assigned adjuster’s direct phone number and email address.
- Draft a formal written request. Write a concise letter or email. Include your name, policy number, claim number, date of accident and nature of injuries. State that you wish to discuss your bodily injury claim directly with the adjuster. Keep the tone professional and factual.
- Send the request by trackable method. Use certified mail with return receipt or an email read-receipt option. This creates proof the insurer received your request. Record the date and keep copies of all correspondence.
- Reference Vermont’s Unfair Claims Settlement Practices. Under 8 V.S.A. § 4724(c), an insurer must acknowledge receipt of a written claim within 15 days and complete its investigation with reasonable promptness. If the insurer fails to respond, cite this statute in your follow-up communications. (8 V.S.A. § 4724)
- Document every communication. Keep a log of dates, times, the person you spoke with and a summary of each call or email. Save voicemail recordings, emails and letters in a dedicated folder.
- Follow up and escalate if needed. If you receive no response within 15 days, send a follow-up letter referencing your original request and 8 V.S.A. § 4724. If the insurer still does not respond, file a complaint with the Vermont Department of Financial Regulation at dfr.vermont.gov.
Disclaimer: This article provides general information on Vermont law and does not constitute legal advice. For advice specific to your situation, consult a licensed attorney.
Helpful Hints
- Be clear and concise in all written communications.
- Always request confirmation of receipt from the adjuster or insurer.
- Use polite but firm language when citing statutes.
- Maintain an organized file of every document related to your claim.
- Consider hiring an attorney if communication breaks down or the insurer delays unreasonably.