If you have made moves towards resolving a personal injury claim, then you and your attorney must have sent a demand letter to the insurance company that is in charge of the business or person you are holding liable for the injury or damages that you have suffered.
The contents of this demand letter would include a good description of the accident that caused your injuries and incurred damages, a medical treatment summary, and an outline of damages and losses. How long does an insurance adjuster have to respond?
In some cases, for an insurance adjuster to respond to a demand letter also depends on the size of the case, the jurisdiction, how complex the case is, and whether there is some form of disagreement over who is responsible or at fault for the accident.
It also rests on the insurance company sometimes because some insurance companies respond faster than others. How long it would take an insurance adjuster to respond to your demand letter or claims is what this article is all about today. You would also state how much you will be willing to accept if the insurance company wants to get the case resolved in your demand letter.
The next question here is what happens next after sending the demand letter and the first thing that you would be anticipating from the insurance company or the insurance adjuster assigned to your case.
In most cases, you will get a timely response from the insurance company or its claims adjuster, and that is because the goal of every insurance company is to ensure that all claims are being resolved.
Solving a claim economically and quickly is what insurance companies are all about. Still, however, this doesn’t really mean that they would yield to any amount that you must have mentioned in your demand letter. You would get a counteroffer from the insurance company, and that tells you that they are willing to negotiate with you.
How Long Does An Insurance Adjuster Have To Respond
The fact is there is really no law that mandates an insurance company or its claims adjuster to respond to your demand letter within a particular window or time frame. Still, they must respond early to you, which shows good business practice on the insurance company’s path.
They can also choose to ignore the demand letter and the victim, but this doesn’t really happen most of the time because it is not considered good business practice.
You should be willing to follow up with the insurance company after sending your demand letter, and even if in the demand letter you sent, you made a mistake with some information, do not send another letter.
You should call the insurance company and ask to speak with a claims representative or with the claims division. You should also check the insurance company’s website to see if you can chat or email a representative.
File A Lawsuit If You Can’t Get A Response
If after sending the demand letter and following up with the insurance company but still didn’t get a response, then the next action you must take is filing a lawsuit against the insurance company.
This action is necessary to take if you want your injury claim to be resolved, and one thing that you should be mindful of is paying attention to your state’s statute of limitations. This law talks about a deadline placed on filing a personal injury lawsuit in a law court.
If the said deadline is approaching, you might want to proceed with filing the lawsuit to have your rights preserved in court.
The insurance company would be served paperwork when you file a lawsuit against them, and this paperwork would push them to respond and move towards resolving the claims you filed for.
Filing a personal injury lawsuit even without the involvement of the law court is an essential action that would compel the insurance company to take your claims very seriously and provide a good outcome.