Insurance companies will usually ask the injured party to sign a release of medical records. Signing a medical release authorizing an insurance company to obtain your medical records is almost always a bad idea. As part of your injury claim for personal injury protection benefits under your own insurance policy, an uninsured motorist claim under your own insurance policy or a liability claim against the at fault drivers insurance company, it will be necessary to provide the insurance company all medical records and medical bills that are related to your case.If you have an attorney who will be representing you in this matter, than the attorney will have you sign a medical authorization allowing your attorney to obtain those records so that there is no reason why the insurance company would also need a release of records.
If you do not have an attorney for your injury claim, you could allow the insurance company to obtain those records but that is not a good idea.Once you sign a release they may be able to receive any medical record about you whether related to the accident or not.Why would you want an insurance representative who you do not know, having authorization to look at all of your medical history. The better practice would be that if you do not have a lawyer, then again, you should obtain those records and bills and forward them to the insurance company.
Once you or your lawyer receives those records, they should be read to make sure they are related to the accident and do not contain information unrelated to the accident and that you do not want the entire world to know.
In addition medical records are notorious for having false information in them. It is important that the records be closely scrutinized before sending to the insurance company.
If you give a blank authorization to the insurance company then they can obtain all of your medical history whether that is related to the accident or not.
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