An insurance agent will send you numerous requests and documents after a car or truck accident. Most requests are unnecessary and just add to the stress of your recovery. A medical authorization release is typically requested so that the insurance company can access and obtain your medical records.
Why Are They Asking for a Medical Release at This Time?
It’s been a week since the accident. You are still treating and the doctors tell you that it will be a while before you get better. The insurance company is requesting a medical authorization release so they can get a copy of your records related to the accident. They need these records so they can compensate you for your injuries. That makes sense, doesn’t it? WRONG!
The real reason why insurance wants a medical release is to obtain your medical records prior to the wreck. Any such information can be used against you during settlement negotiations. For example, they may find out that you complained to your primary care doctor about back pain six months before the accident. That pain was very minor and resolved in a few days. However, the insurance adjuster will claim that your back pain was preexisting and low ball your settlement.
What to Do Instead
Tell the insurance adjuster that you will get the medical records and bills yourself. Never give a medical release as they will go on a fishing expedition. Rather, let them know that you will provide this information after you have recovered from your injuries. Gathering your own medical records allows you to review them for accuracy. It also allows you the opportunity to speak with the doctors to have the medical records corrected if there are errors. Remember, medical records can be used favorably and also against you in injury claims.