Prior medical history

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massity
Posts: 1
Joined: Tue Apr 19, 2016 1:30 pm

Tue Oct 11, 2016 3:15 pm

What do I do if the insurance adjuster is asking me to get copies of my medical records from 2 years before my car accident? I had some serious health problems during those two years and I don't want to share some really personal life information with the insurance company, which I feel like they should understand.

Thank you for your help with this.
Matt

Richard Dingus
Posts: 66
Joined: Mon Feb 22, 2016 10:48 am

Wed Oct 19, 2016 7:36 am

Matt,

Unfortunately, insurance adjusters will sometimes require or request prior medical records to evaluate your potential bodily injury claim. Generally, this problem arises when medical records indicate that you may have suffered a similar type injury or have had an injury to the same bodily region previously. When this is the case, insurance companies are within their right to request prior medical history.

With this being said, you still may not have to disclose every unrelated past treatment for the requested time frame. For instance, the adjuster may only be needing prior medicals from a certain medical provider or facility. Therefore, it is important that you ask questions and try to determine the reasoning behind the insurance adjuster’s request.

Lastly, if there are sensitive matters in your medical records in which you are uncomfortable sharing, you can always consider not including (redacting) those medical records. Please note, however, that most medical facilities make notations of your prior medical history; therefore, the adjuster may already be aware of your prior health problems.

Claims can become complicated when insurance companies request prior medical history. Therefore, you may want to speak to a personal injury attorney in your local jurisdiction. Please feel free to use our Lawyer Locator Service to find and attorney who can help.

Thank again for the post, and please do not hesitate to contact us with any other questions or concerns that you may have!
Richard Dingus
Attorney and Counselor at Law

• Durham • Raleigh • Greensboro

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