Many insurance companies ask auto accident victims to sign a medical release form. This request may seem reasonable; doesn't your insurance company need to know about your injuries in order to reimburse you?
Yes, the insurance company will need to know about your injuries, but they don't need access to your entire medical history. If you're not careful, you might find that you have signed a blanket medical release that gives the insurance company access to your confidential information. The insurance company can use this information to look for preexisting injuries, devalue your claim, or question your credibility.
A pre-existing condition refers to any illness or injury that you suffered from before the accident. If you sustained a cervical sprain (whiplash) when you have a history of neck or back problems, the insurance company might argue that the car accident is not the cause of your pain. This might not be true, but some insurance companies will try every available tactic to get out of paying you a full settlement.
How can you stop this? You have the right to request your own records and provide copies of the relevant pages to the insurance company. This allows you to protect your privacy.
Tell the insurance company that you will send them the relevant medical records. Then speak to your Warrensburg, MO auto accident lawyer. He'll be able to advise you on what to send.
Have You Been Injured In A Kansas City Area Car Accident?
If you've been injured in a car accident you need to speak with an experienced car accident lawyer as soon as possible. Contact us online or call our Kansas City office directly at 816.471.5111 to schedule your free consultation.