After an automobile accident in Indiana, negotiating with the other driver’s insurance company is essential for securing just compensation.
Unfortunately, a lot of accident victims don’t know how to do this. This may cause people to make logical errors that could seriously affect the outcome of their claim.
It is crucial to comprehend how insurance companies manage claims following an accident.
A documentation packet is among the first items from the insurance provider for the other driver. You will often find a document called a release or authorization in this documentation.
Auto accident release and authorization papers come in a variety of formats. The insurance company is typically requested to obtain your consent in these agreements before they can examine your medical records.
An insurance provider may even request a release of liability from accident victims in some cases. Car accident victims who sign a disclaimer of liability forgo their entitlement to financial compensation for their damages.
You must understand what you are signing as a result. Get in touch with the esteemed attorneys at Delventhal Law Office, LLC if you have questions about signing a car accident release form.
What is the Reason for a Medical History Review by an Insurance Company?
When assessing the right amount of damages, the severity of your injuries is one of the most crucial criteria in vehicle accident claims.
The insurance company should therefore have access to your post-accident medical records.
However, most medical releases and authorizations require complete access to your pre-and post-accident medical information.
In other words, the insurance company needs this information to make every effort to minimize the value of your claim.
For instance, if you sustain neck injuries in an accident, the insurance provider would check your medical file for any indications of prior neck problems or injuries.
The insurance provider can contend that your current injuries are due to your preexisting condition rather than the accident if you had a past neck injury.
In a similar vein, an insurance provider may check your medical records for any contradictory statements you may have made to a physician. For instance, the insurance company can contend that your injuries truly happened after the collision if you didn’t complain of neck pain while visiting the emergency department.
Remember that insurance companies are only interested in maximizing their profit; they are not on your side or acting in your best interests.