Should I Sign A Medical Release For The Insurance Adjuster

When you’re involved in an accident or suffer an injury, dealing with insurance companies can be a complex and overwhelming process. One common request made by insurance adjusters is for you to sign a medical release form. This form grants the insurance company access to your medical records, allowing them to review your medical history and potentially use it against you during the claims process. Before signing a medical release, it’s important to understand the implications and weigh the pros and cons. In this article, we will explore the reasons why insurance adjusters request medical releases, the potential risks involved, and provide you with valuable insights to help you make an informed decision.

Why do insurance adjusters request medical releases?

Insurance adjusters request medical releases for several reasons:

• Evaluating the extent of your injuries: Insurance companies want to assess the severity of your injuries to determine the appropriate compensation amount. By reviewing your medical records, they can gain insight into the nature and extent of your injuries.
• Verifying pre-existing conditions: Insurance adjusters may request medical releases to investigate whether you had any pre-existing conditions that could have contributed to your injuries. This information can impact the amount of compensation they offer.
• Identifying fraudulent claims: Insurance companies are vigilant about detecting fraudulent claims. They may request medical releases to verify the accuracy of your injury claims and ensure that you are not exaggerating or fabricating your injuries.

The potential risks of signing a medical release

While signing a medical release may seem like a straightforward request, it’s essential to be aware of the potential risks involved:

• Privacy concerns: Granting access to your medical records means sharing sensitive and personal information with the insurance company. There is a risk that this information could be mishandled or used against you during the claims process.
• Selective use of information: Insurance adjusters may cherry-pick information from your medical records that supports their case, while ignoring details that could benefit you. This selective use of information can potentially harm your claim.
• Impact on future claims: Once you sign a medical release, the insurance company may retain your records indefinitely. This could impact future claims you may make, as they will have access to your medical history and could use it to dispute any future injuries.

Factors to consider before signing a medical release

Before signing a medical release, consider the following factors:

• The extent of your injuries: If your injuries are minor and do not require extensive medical treatment, signing a medical release may not be necessary. However, if your injuries are severe and require ongoing medical care, it may be more beneficial to consult with an attorney before signing.
• The reputation of the insurance company: Research the insurance company and their claims handling practices. If they have a history of using medical records against claimants, it may be wise to proceed with caution.
• Consulting with an attorney: Seeking legal advice from an experienced personal injury attorney can provide valuable guidance on whether signing a medical release is in your best interest. They can help protect your rights and ensure that you are not taken advantage of by the insurance company.

Frequently Asked Questions (FAQ)

1. Can I refuse to sign a medical release?

Yes, you have the right to refuse to sign a medical release. However, it’s important to understand that the insurance company may use this refusal as a reason to deny or undervalue your claim. Consulting with an attorney can help you navigate this situation and protect your rights.

2. Can the insurance company access my medical records without my consent?

In most cases, the insurance company cannot access your medical records without your consent. However, there are exceptions to this rule, such as when a court order is obtained or when you file a lawsuit and your medical records become relevant to the case.

3. How can I protect my privacy while still pursuing a claim?

If you are concerned about your privacy, you can limit the release of your medical records by specifying the specific time frame and medical providers that the insurance company can access. This can help protect your sensitive information while still allowing the insurance company to evaluate your claim.

4. What should I do if the insurance adjuster insists on a medical release?

If the insurance adjuster insists on a medical release, it’s crucial to consult with an attorney before making any decisions. They can review the release form and advise you on the potential risks and benefits based on your specific situation.

5. Can the insurance company use my medical history against me?

Yes, the insurance company can use your medical history against you if they find any information that suggests your injuries were pre-existing or unrelated to the accident. This is why it’s important to consult with an attorney who can help protect your rights and ensure that your medical history is not unfairly used against you.

6. Are there any alternatives to signing a medical release?

Yes, there are alternatives to signing a medical release. One option is to provide the insurance company with a summary of your medical treatment rather than granting access to your full medical records. Another option is to have your attorney handle all communication with the insurance company on your behalf, ensuring that your rights are protected throughout the claims process.

Summary

Signing a medical release for an insurance adjuster is a decision that should not be taken lightly. While it can provide the insurance company with necessary information to evaluate your claim, it also carries potential risks to your privacy and future claims. Before signing a medical release, consider the extent of your injuries, the reputation of the insurance company, and consult with an attorney to ensure that your rights are protected. By making an informed decision, you can navigate the claims process with confidence and increase your chances of receiving fair compensation for your injuries.