My colleagues and I have had to hold insurance companies to this legal obligation more than once, and it is a great tool for ensuring justice for victims of other drivers' carelessness. When we learn that insurers have low-balled settlement offers or do not have contractual liability for paying a victim an adequate amount, we know how to best go forward with a claim or lawsuit.
Under the law, insurance companies have 30 days to respond to a written request for disclosure of their liability for injuries and damages caused by policyholders.
To ensure that response, crash victims or their legal representatives -- who can be lawyers, family members or other people with legal authority to act on the injured or deceased person's behalf -- must send companies written requests that include the following information:
- Date of the motor vehicle accident.
- Name and last known address of the driver who caused the accident.
- Copy of the accident report, if any. Click here for an example of a standard accident report form.
- Claim number.
- Copes of the injured person's accident-related medical records, medical bills, and wage-loss documentation, if applicable.
You do not need to fall victim to insurance company tricks and delays after you've already fallen victim to the mistakes, negligence or irresponsibility of another driver.