Do I have to Give My Medical Records To an Auto Insurance Company?

Not unless there is a lawsuit. During the claims process, the auto insurance company is entitled to investigate only the injuries you suffered from the car accident, or injuries you claim are worse because of the auto accident.

If you allow the opposing auto insurance company access to your records, read the form before signing. Cross out or rewrite any wording that grants access to your entire medical history.

If there is a lawsuit, you may have to turn over all your medical records related to the car injury or that could be related to the auto injury. For example, if you hurt your arm, you would probably have to give up old records about a broken arm, but not about a tonsillectomy. On unrelated matters, you are entitled to medical privacy. An experienced auto accident attorney can help.

Case Studies: Exploring the Disclosure of Medical Records to Auto Insurance Companies

Case Study 1: Jane’s Car Accident

Jane was involved in a car accident where she sustained injuries to her back and neck. She filed a claim with her auto insurance company to seek compensation for her medical expenses and lost wages.

The insurance company requested access to Jane’s medical records to evaluate the extent of her injuries and the related treatment. Jane was concerned about her privacy and the potential for her entire medical history to be exposed.

After careful consideration, she reviewed the form provided by the insurance company and crossed out the sections that granted access to her entire medical history. She only allowed access to the specific records related to her back and neck injuries.

Case Study 2: John’s Lawsuit

John was in a severe car accident that resulted in multiple injuries, including a broken arm.

As a result, he decided to file a lawsuit against the at-fault driver. During the legal proceedings, John’s attorney advised him that he would likely have to disclose all his medical records related to the car accident and any pre-existing conditions that could be relevant to the injuries sustained.

While John valued his medical privacy, he understood that in a lawsuit, he might have to provide a comprehensive medical history. He relied on the expertise of his experienced auto accident attorney to navigate the legal process and protect his rights.

Case Study 3: Sarah’s Privacy Concerns

Sarah had minor injuries from a car accident, primarily bruises and soreness. When the opposing auto insurance company requested her medical records, she became concerned about the extent of access they would have to her personal information.

Sarah consulted with an experienced auto accident attorney to understand her rights. With the guidance of her attorney, Sarah learned that she had the right to protect her medical privacy in matters unrelated to the car accident.

She decided to limit the access granted to the insurance company only to the relevant records, ensuring her privacy was respected.