What Should the Family Know About Insurer Requests?
Save the complete request, including attachments and any response date. Identify which insurer is asking and whose claim or policy it concerns. A request for records, a statement, and a settlement release serve different purposes and should be understood before responding.
Give accurate facts and say when you do not know an answer. Do not guess about the cause of death, another person’s conduct, or a medical opinion. If the insurer’s account conflicts with a record, keep both versions and identify the exact point that needs review.
Before signing a release, ask which claims and people it covers. Discuss the proposed amount, supported losses, available coverage, and any unresolved authority or allocation issues. The person receiving an offer may not be the only person with an interest in the claim.
Insurance discussions can continue while filing deadlines approach. Bring all dates and documents to the lawyer. An ongoing investigation or a promised call from an adjuster should not be treated as proof that the legal deadline is protected.