Initial Claim Notification
First call to report the accident
"Hello, I was in an accident on [DATE] at [TIME] at [LOCATION]. I'd like to file a claim. My policy number is [POLICY#]. Here's what happened: [Brief description]. I was injured and have begun treatment. What information do you need from me?"
Follow-Up Claim Status
Checking on claim progress after 1-2 weeks
"Hi, I'm calling about my claim from [DATE]. My claim number is [CLAIM#]. I want to update you on my medical treatment and ask about the timeline for your investigation. I've had [# of] medical appointments since the accident. When should I expect to hear back?"
Responding to Denial/Delay
If claim is denied or unreasonably delayed
"I received your denial letter regarding my claim from [DATE]. I disagree with this decision because [REASON]. I have documentation showing [EVIDENCE]. I'm requesting a formal appeal and would like a supervisor to review this decision. What's the appeals process?"
Presenting Settlement Demand
After medical treatment is complete
"I'm ready to settle this claim. I've completed my medical treatment and have total damages of [AMOUNT]: [ITEMIZED LIST]. Here's my demand letter with all documentation. I'm expecting a response within 10 business days. My attorney will be copied on all future correspondence."