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Reasons Why You Should Not Share Your Medical History With An Insurance Adjuster

You probably anticipate that the at-fault driver’s insurance will pay for your medical care if you are hurt in a Virginia car accident. However, obtaining just reimbursement might be challenging, particularly if the insurance provider will not bargain in good faith. Among the most popular tactics used by insurers to undervalue claims is to get the medical records of those involved in auto accidents. Make sure you contact an auto accident lawyer in Wytheville.

Justification for medical records requests by Virginia insurance companies.

Virginia is a state that is at fault. The other driver’s insurance coverage is designed to pay your medical costs and any other losses you may have incurred if you were hurt in a car accident that was not your fault. The healthcare company will demand some insight into your medical data in order to evaluate your claim. This aids the adjuster in estimating the severity of your wounds.

It may appear benign if the assessor requires you to sign a permission form for your medical records. However, many release papers provide your whole medical file with unrestricted access to the insurance provider. 

When requesting your signature on a release of medical records:

Negotiation skills are a specialty of insurance adjusters. They are skilled at applying pressure to car accident victims. The adjuster may approach you in the hospital, whether you are currently still recuperating from your injuries, carrying a clipboard and paperwork, and requesting that you waive your rights. They may try to frighten you if you decline by telling you that you will not be eligible for compensation. You do not need to succumb to the insurance company’s scare tactics.

How to react if an adjuster requests your records?

  1. Refuse right away.

Inform the adjuster that you must speak with an attorney before signing a hospital release, despite any pressure they may exert. You are not required to agree with their request right away.

  1. Take precautions. 

There are various techniques for adjusters to minimize your claim. They might want you to give a recorded statement outlining your injuries or the circumstances of the accident. Additionally, they might advise you to have a medical examination performed by an “impartial” outside doctor. However, you must always consult your attorney before making any requests. These requests are frequently information-gathering snooping operations.

  1. Speak to a lawyer.

Insurance companies are aware that lawyers are skilled con artists. They defend their clients’ rights and will not let the insurance provider get away with anything. Your lawyer can take the defendants and the at-fault motorist to court if they refuse to bargain in good faith.