If you or a family member was injured in an accident with a trucker, you may be entitled to damages for your lost wages, medical bills, and pain and suffering. Medical records will be required as evidence of your injuries. The trucker’s insurance company may contact you to obtain permission to get your medical records. However, you need to be careful about what you authorize the insurance company to receive to protect your case and your privacy.
How to Handle an Insurance Adjuster’s Request for Medical Records
Records from the hospital, your doctor, physical therapists, and other medical providers can help prove what injury you suffered, the pain you experienced, the treatment you received, and any long-term problems you will face. The trucker’s insurance company will need these medical records to settle your claim. However, this does not mean they are entitled to all of your medical records. Some general considerations in giving an insurance adjuster access to your records include:
- Do not sign a general release. The trucker’s insurance company only needs the medical records relating to the injuries you suffered in the crash caused by the truck driver. The adjuster may request additional medical records to try to find information he can use to deny your claim or reduce your damages.
- Providing a doctor’s report. Sometimes your medical records may not show your prognosis or some other important information that your doctor told you regarding your medical condition. The insurance company may want a report from your doctor. Do not allow the adjuster to speak to your doctor. You should contact your doctor yourself and find out if he will write a favorable report.
It is important to review any written request for medical records carefully before signing it to be certain you only provide the documents related to your injury and to protect your medical privacy. It is best to contact an attorney for legal advice before providing any documents.
Have you or a family member been injured in an accident with a trucker? Check out our testimonials to see how we’ve helped other people like you and call us at (817) 380-4888 for a free, no-obligation consultation.