insurance adjuster reviewing car insurance policy

Why Might Insurance Companies Request Your Medical Records After an Accident?

After you have been involved in an accident, the insurance adjuster with whom you’re dealing may request your medical records for the purpose of verifying your injuries. But while this seems reasonable, there may be ulterior motives. Here’s why an insurance company may really be requesting your medical records. 

Ulterior Motives

While it’s legitimate that an insurance company will need to verify your injuries suffered before it can award you any money, there are often other reasons that it requests these documents. 

When an insurance adjuster gains access to your medical records, he or she may actually be looking for additional information from your past medical history that can help to explain some of your injuries and essentially lower the value of or completely deny your claim.

Looking to Lower Your Claim

For instance, say you sustained a shoulder injury in a car accident several years ago. An insurance adjuster may try to argue that this prior shoulder injury contributed to the severe back pain that you are experiencing after your most recent accident. Alternately, they may claim that your back pain is actually from your previous accident and not from the most recent one. 

When an insurance adjuster requests your medical records, it’s important that you speak with an attorney first. An attorney can review any requests that have been made in order to determine whether the records requested are even relevant to your current claim. 

If your attorney feels that the records requested might not be relevant, he or she may ask for an explanation from the adjuster. If the attorney believes that the records requested are reasonable, he or she can even help you to obtain and submit them to the insurance company. But if your attorney feels that they are not necessary, he or she may actually be saving you unnecessary aggravation. Insurance companies are much less likely to try to take advantage of your attorney than they would be to try to take advantage of you. 

Refrain from Giving Permission of Any Kind

Additionally, if the insurance company of the at-fault party asks for the right to access all of your medical records, it’s extremely important that you do not provide your signature permitting them. Nor should you give verbal permission, as you will be on a recorded line. You have the right to deny access to the insurance company. 

Contact a Qualified Personal Injury Attorney

There are a variety of reasons as to why it’s not in your best interest to handle your personal injury claim and to deal with an insurance company by yourself. If anything, doing so can prove to be detrimental to the outcome of your case. But consulting with a knowledgeable and experienced personal injury attorney can make a big difference in the outcome of your case – and on your life. 

At the Law Offices of David P. Kashani, our experienced California personal injury lawyers work strategically to help our clients obtain just compensation. When you become our client, you will have peace of mind knowing that our legal team is on your side. We will guide you through all aspects of your personal injury claim and make sure that your interests are protected. To learn more or to schedule a free consultation, call us today!