When The Insurance Company Requests For Your Medical Recordsby Kristen White Blogger In the event of a car accident, the victims may suffer from minor to major injuries .This leads to one seeking medical attention for the care of his/her health, and also to have proof when seeking compensation. To validate any personal injury claim, your insurance adjuster must rely on the medical records. Any personal injury claim compensation is mostly based on the total amount of medical expenses. That’s why accident victims are always encouraged to get maximum medical care to ensure they get compensated for what they deserve.
Why The Insurance Adjuster May Request For Your Medical Records
Before issuing any medical record to the insurance adjuster, it’s better to consult an experienced car accident lawyer in Alaska. In some situations, the adjuster may request you to go for an independent medical examination (IME). This is when they think you never provided all the information needed. For instance, the adjuster may request information about any pre-existing injury. You should only consider giving your pre-existing records if it’s reasonable. The best thing would be to request an explanation of why it’s needed since the information may be used against you. With this, you will be protecting your privacy rights. Also, they should cater for the expenses of the extra information required. Your insurance adjuster may be requesting to have your medical records for the below two reasons:
To know the amount you should receive for your personal injury settlement
To get access to your entire medical history. This may be used against you to dispute your claim for compensation. In most cases, the adjuster thinks that he/she may find some information about any pre-existing conditions.
If the insurance company wants to have an independent medical examination, there is no way you should accept this unless you first contact an experienced car accident lawyer in Alaska.
What If The Insurance Adjuster Demands The IME?
Even if the adjuster request an IME after your claim ends up in court, there are various ways you can ensure your medical privacy is protected. Victims who are well conversant with the tactics of insurance companies in Alaska always contact attorneys and law firms in Wasilla Ak to get the best advice. The reason is that the information obtained may be inaccurate such as to affect an injury claim. However, there are some things you can do to protect yourself. They include:
Get the information about the IME: Ask for information on the relationship between the IME and the insurance company. Besides, you should also request to know the amount the IME is to be paid or the number of referrals they have received within a given time. If the insurance adjuster is reluctant to provide this information, this could be a way to avoid paying your claim.
Go with a witness: Having a witness will ensure that the IME is done in a way that’s not intimidating. You may request the witness to write down everything being done or said to guarantee justice and truthfulness.
Make sure to ask for a copy of the IME report: With this, you may point out any incorrect information and unreliability reports.
There are so many ways you can protect your privacy, but the best thing to be sure you’re doing the right thing is to contact attorneys and law firms in Wasilla Ak.
Getting Legal Help
To understand how to go about any IME better, you should only make sure to contact a lawyer who knows about the process well. He/she will also guide you on anything else you need to know about giving your medical records to an insurance adjuster.
Created on Jun 9th 2020 03:32. Viewed 221 times.
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