What to do if insurance adjuster won t call

If you have been in a car crash or any other accident and were injured because of someone else’s fault, one of the first things you should do is contact your insurance company and notify them of the accident.

Table of Contents Show

JODI MATHYHNI Post Loss Specialist
1. Know that your claims adjuster is trying
2. Give them at least 24 hours to respond
3. Leave good voicemails
4. Email is generally better than calling
5. If your claims adjuster is truly MIA, escalate it
How long does the insured have to comply with requests made by the adjuster?
How do I file a complaint against an auto insurance company in Florida?
What happens if you don't respond to a claim?

Once you file your personal injury claim with your insurance company (unlike other states, Florida requires drivers to file claims with their own insurer regardless of fault), the company will assign a claims adjuster to your case.

You will hear from the adjuster within days or weeks after the accident. After the conversation, the claims adjuster may stop contacting you or even returning your calls.

If this happened to you, you might be dealing with a bad faith insurer. Contact a skilled personal injury attorney at Pita Weber Del Prado to discuss your options if you think your insurance company is ignoring you.

Why the claims adjuster doesn’t call you back

While reasons why insurance claims adjusters do not respond to claimants or return their calls vary from one case to another, the insurer may be doing this on purpose. Unfortunately, many claims adjusters use this tactic in an attempt to:

Delay the claims process;
Devalue or deny your claim; or
Put pressure on you to accept their low-ball settlement offer.

Keep in mind that claims adjusters are trained to protect their insurance company’s bottom line. They undervalue and deny valid claims to help their employer increase their profits.

Delaying the claims process and not returning a claimant’s calls is one of the adjuster’s tactics to settle claims for as little as possible. What they are trying to do is make you more desperate to accept at least any amount of money.

What to do when the claims adjuster doesn’t return your calls?

Communication is a vital part of the claims process. Insurance companies owe you a duty of good faith when handling your claim. If the insurer fails to act in good faith, you may be able to pursue a bad faith action against the company pursuant to Section 624.155, Florida Statutes.

If the claims adjuster won’t return your calls after numerous attempts to get in touch have been made and you have documented proof that the adjuster doesn’t call you back, you may be able to sue the insurance company for acting in bad faith.

Before bringing a bad faith lawsuit against the insurer for ignoring you, you need to do the following:

Collect evidence

If your insurance claims adjuster does not return your calls and you believe that they fail to meet the duty of good faith when handling your claim, it is critical to start collecting evidence, written documentation, and any correspondence between you and the claims adjuster.

For this reason, it would be more helpful to communicate with the claims adjuster via email to be able to keep records.

Contact an attorney

If you believe that your insurer is acting in bad faith, it is vital to consult with a Miami insurance dispute lawyer before suing your insurance company. An attorney will help you understand your rights and investigate your particular situation.

Let our attorneys at Pita Weber Del Prado review all documentation and correspondence regarding the insurer’s bad faith practices to determine whether you can sue. Call 305-670-2889 for a case review.

https://www.pwdlawfirm.com/personal-injury/can-i-file-a-car-accident-claim-if-im-an-illegal-immigrant-in-florida/

Pita Weber Del Prado | Posted on April 7, 2021

JODI MATHYHNI Post Loss Specialist

When you have a worker’s compensation claim, you want it handled quickly, and you want it handled right. One of the biggest complaints that I hear from frustrated clients is that the adjuster assigned to their claim isn’t calling them back quick enough.

Before joining HNI, I worked as a claims adjuster for a large national broker. Based on my experience there, these are my tips for getting efficient responses from claims adjusters.

1. Know that your claims adjuster is trying

Most adjusters in every field are buried under enormous workloads. The problem of high workload to most adjusters is compounded by high turnover of cases – as an adjuster, I rarely went more than a day without a new claim. New claims come with multiple contacts to be made and investigations to be completed, in addition to a daily diary of activities to follow.

2. Give them at least 24 hours to respond

You should expect a return call or email for most requests within one business day. Many people expect adjusters to call them back same day and get very put off by repeatedly getting a voicemail. Multiple calls and voicemails aren't going to make an adjuster more eager to call you back either.

If your adjusters’ response isn’t as quick as you’d like, understand that they probably just have on their plate. I’m not saying this is how it SHOULD be – but it’s the unfortunate reality we have to deal with when managing claims.

3. Leave good voicemails

If you have ever tried to reach a claim adjuster by phone, you may have been met by their voicemail. For the most efficient response, leave a detailed and specific message with what you want to discuss and the claim number. If you say “I’m calling about Joe…” this creates more work for the adjuster to figure out what you’re talking about and it will slow down their response time.

4. Email is generally better than calling

E-mails will likely get quicker responses than voicemails. These are easier to answer on the fly and don’t require both parties to be available at the same time to discuss a particular issue. An added benefit of this is that you will maintain a thread of conversation to refer to back to that can also serve as an electronic record of the process.

5. If your claims adjuster is truly MIA, escalate it

If multiple days pass without a response or your request is urgent, you should ask to speak with a supervisor who can address your concern. If communication problems with adjusters are more serious, that is what I am here for, and I would be happy to intervene on your behalf.

How long does the insured have to comply with requests made by the adjuster?

Within 15 business days after receipt of all requested information, the company must approve or deny your claim in writing. The law allows the insurance company to extend this deadline up to 45 days if it notifies you that more time is needed and tells you why.

How do I file a complaint against an auto insurance company in Florida?

Consumer Helpline Contact Information.

Statewide Toll-Free: 1-877-MY-FL-CFO (1-877-693-5236).

Out of State Callers: (850) 413-3089..

TDD Line: 1-800-640-0886..

Email Address: [email protected]..

What happens if you don't respond to a claim?

It is best not to ignore a claim that is made against you. If you don't respond, the other party may decide to start a court case against you. This will cost time and money.