Should the claimant anticipate a response from the adjuster? Most adjusters do respond to any demand letter. If any of them were to ignore that piece of communication, the letter’s author might sue the insurance company for bad faith. That would cause the adjuster to lose the respect of his or her superiors.
Still, there is always the chance that a certain adjuster might decide not to respond to one or more of the letters with their different demands. If you were the claimant that had sent a demand and had not heard back from the insurance company, what could you do?
First, place a follow-up call to the adjuster’s office. Find out why no response had been issued. If the adjuster were still awaiting instructions from a superior, then the caller should ask if the adjuster could estimate the date when the instructions might be coming.
If the adjuster does give a date, then the caller should record that date. Ideally, the adjuster’s call, with the new instructions, would come on the promised date. If it did not, then it would be necessary for the claimant, or the claimant’s lawyer to go over the adjuster’s head.
That would mean calling or sending an email to the adjuster’s supervisor. That communication would need to explain the nature of the adjuster’s inappropriate actions, or lack of action. The supervisor should have access to the files, in order to confirm any claims that might have been made, regarding the claimant’s case.
If the insurance company were to fail to follow-up on the contact made with the supervisor, then it would seem logical to consider filing a lawsuit with the help of Injury Lawyer in St. Catharines. Efforts could continue, with the aim of starting negotiations. That would be the ideal.
Still, the insurance company might not choose to deal with the submitted claim. In that case, it would appear that the claimant must initiate the filed lawsuit. That would force the insurance company to take some type of action, unless the claimant had filed the complaint after the deadline.
That would provide an insurance company with an acceptable defense. Unfortunately, it would force the claimant to restart the whole process. In other words, the claimant would need to submit a claim with the insurance company for a second time.
That considered timeline should underscore the importance of filing a lawsuit on time. Insurance companies realize that claimants might hesitate to take that action, and thus might file a late complaint. Their realization of that fact might cause them to delay a response, and then to also ignore any further communications. Claimants that work with a lawyer seldom have that problem. That is why it pays to hire an attorney.