Have you been injured in an auto accident? Did you fall in a store and injure your back? Are your receiving medical treatments for your injuries? Are you worried about paying your medical bills and other expenses from the auto accident?
The insurance adjuster for the other driver knows you are anxious and worried. If you are not careful, the adjuster will obtain valuable information the company can use to decrease the value of your settlement claim.
Why Does The Insurance Company Need My Medical Records?
In order to recover compensation when you are hurt in a personal injury accident of any type, you must prove that the other party is at fault for the accident AND you suffered damages. Therefore, it seems logical for the adjuster to request copies of your medical records. The adjuster may tell you that the insurance company simply needs copies of your medical records to “verify” your injuries before paying your accident claim.
However, what the adjuster will not explain is the medical release you are signing allows the insurance company to obtain copies of your entire medical history. If a medical release is not carefully worded, you can grant the insurance company full access to all of your medical records. As an experienced Indianapolis personal injury lawyer, I would advise that you not sign any releases for the insurance company until you meet with an attorney with our office. We offer free consultations so you can get the information you need to protect your legal rights.
Pre-Existing Medical Conditions
The insurance company for the other party hopes to find information in your medical records regarding a pre-existing medical condition or a prior accident. The insurance company may use this information to argue that your current injuries are not related to the accident in question.
You are not required to disclose a pre-existing condition or prior accident when you are negotiating a settlement with an insurance company. Therefore, there is no reason for you to sign a release for a full medical history. Your Indianapolis personal injury lawyer will review your medical requests and review any request by the adjuster for copies of those medical records. To protect your best interests, your attorney will only release the medical records related to your injury when it is necessary to do so.
What Is An Independent Medical Examination (IME)?
An adjuster may also request that you submit to an independent medical examination (IME) as part of the claims process. The IME is conducted by a physician hired by the insurance company. It is not in your best interest to submit to an IME because the physician often returns an opinion that is favorable for the insurance company, but these physicians are referred countless patients from the insurance company.
If an adjuster requests that you submit to an IME, contact an Indianapolis personal injury lawyer immediately. Do not submit to an IME without first consulting with an experienced attorney.
Call An Indianapolis Personal Injury Lawyer For More Information
Contact The Ken Nunn Law Office 24/7 through Live Chat online or at 1-800-CALL-KEN or 1-800-225-5536 for a free legal consultation with an Indianapolis personal injury lawyer. An adjuster works for the insurance company. The adjuster is trained and skilled in obtaining information the insurance company may use to decrease your settlement amount. The insurance company is not acting on your behalf regardless of what the adjuster may tell you.
Our Indianapolis personal injury lawyer is working on your behalf. He is protecting your best interest. You deserve to have someone on your side who understands how insurance companies work to level the playing field.