Generally, medical records should not be released to an insurance company after an accident. Rather, victims can discuss their cases with a skilled personal injury lawyer. The insurance provider can use the material provided to them against the victim when the latter seeks compensation. By working with a Groth & Associates injury attorney, an injured victim can determine what exactly they can tell the insurer and handle evidence properly, including medical records.
Reasons Insurance Companies Want a Claimant’s Medical Records
Have you sustained injuries in an accident that wasn’t your fault? If so, insurance providers will send out somebody to investigate the accident including its cause, its consequences, as well as the resulting damages and injuries.
Your insurance provider and the insurer of the at-fault party will send an adjuster to look into the accident. The investigation may include several steps including getting you to give statements regarding your experience and injuries. Also, they may ask you to give related documentary evidence like accident-related bills or receipts and medical records.
Information that Can Be Obtained through an Investigation
Insurance investigations are meant to determine the party responsible for causing the accident, whether to pay compensation to the injured victim or not, and whether to increase your insurance premiums or not. Thus, their investigation’s outcomes can have a significant bearing on your future. Should the insurance company decide to pay you compensation, you can easily afford your daily expenses and medical care. Otherwise, you will face a serious financial crisis.
What to Keep in Mind when Working with an Insurance Company After an Accident
You need to cooperate with insurance companies while they investigate your accident. However, you must not release your medical records to them. Before you interact with an insurance adjuster, make sure you consult an injury lawyer about your obligations and rights first.
When you get a call from an insurance representative, tell them to speak with your attorney. Your lawyer can serve as a middle. They can handle talks and negotiations with the insurer, prepare you for some interviews, examine the evidence, as well as address your concerns and questions regarding your case.
If somebody else caused an accident that got you injured, they may owe you financial compensation. The insurance provider of this party may quickly make a settlement offer. However, this offer may not reflect the full extent of your injuries and losses, so it is best to hire a personal injury lawyer who can seek compensation on your behalf.
Your attorney knows the importance of medical records in determining your ability to secure compensation. They contain vital information that can prove the existence of your injuries and their connection to the accident.