Expert: Doctor Settlement - 11/9/2008

Question
This is regarding to the BI claim. The at-faulty insurance keeps requesting for the medical bills, pictures etc to close the case. Should I have to follow the adjuster’s request or it is my choice when I should submit the documents? How to respond? Thanks.


Answer
Hi Ray,

It is your choice when to submit both the medical reports and the demand letter.  But as for the medical bills and medical records, I would recommend keeping the adjuster up to speed on your damages so she can set her reserves for your claim.  

Adjusters are under pressure to keep abreast of their claims, and we are not doing ourselves any favors by shutting them out of information that they need.  

They will get it eventually, so why not make her work on your claim easier and give her the bills and reports to date?

This does NOT imply that you should be in any hurry to settle the claim.  Make sure that all of your medical recovery—your return to pre-accident condition—is nearly completed before you send the demand letter.  The adjuster will want to settle early, but resist that temptation if you still have pain.  

I trust that my extra time here has produced some information that has been of value to you, and thus I would respectfully request that you take the time to locate the FEEDBACK FORM on this site and leave some feedback for me.

Learn how to communicate with the insurance adjuster: FINAL TOPIC—COMMUNICATE IN WRITING AND "DEMAND" NOT "ASK"

Effective communication with insurance claims adjusters.  Establish Firm, Professional, and Positive Relationships With the Insurance Injury Claims Adjuster http://www.settlementcentral.com/page0059.htm

Always communicate with the adjuster in writing, showing your own analysis of value. It is OK I guess to have one call or so, but no more.   Always have your information and ammunition in writing to give to the adjuster.

Let him know that you are FIRM IN YOUR RESOLVE to get what you are demanding (NOT "asking", since that invites a counter-offer, but instead "demanding" as fair and reasonable compensation) by asking him what the options are to resolve the matter fairly should he not agree to a reasonable claim value. In other words, let him know that you will go through with a court filing if need be.

Remember these tips, do your homework, print out your evidence, show resolve to get your fair settlement, and you will DO JUST FINE.

I trust that my extra time here has produced some information that has been of value to you, and thus I would respectfully request that you take the time to locate the FEEDBACK FORM on this site and leave some feedback for me.

Best Wishes,

Dr. Settlement, J.D. (Juris Doctor)
http://www.SettlementCentral.Com