You are here:

Auto Insurance Claims/medical claims release

Advertisement


Question
Good Morning,

We were in a head on crash 3 weeks ago where the other driver was at fault. We are in Colorado so our insurance company will pay $5000 each per law. The bills will exceed this and now the at fault driver's insurance company wants us to sign a medical release form so they can pay the excess bills. My husband is still going to physical therapy and I am still being treated too. My questions are these:1) If we sign release of information, does this give the insurance company the right to delve into ALL our medical history or just from the crash onwards? and 2) Does it make sense to sign and close the medical claim at this point? They said they will not pay bills till the case is closed, but  then won't the billers come after us for payment and possibly hurt our credit ?
Thank you for your time and consideration.

Answer
(1)  depends on the terms of the medical records authorization.  You should read it to say what is says.  generally, you can specify a date period to authorize them to review, and can also often specify specific medical providers only.

(2)  If you are still treating, I would not recommend settling your claim.  I would wait to see how much the medical bills are and how long it takes to recover fully.  Part of the settlement should also include an amount for pain, suffering, and inconvenience - over and above the medical expenses.  If you have health insurance, they will cover your expenses while the settlement is pending.  If not, look into Medicaid.

Auto Insurance Claims

All Answers


Answers by Expert:


Ask Experts

Volunteer


Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

©2016 About.com. All rights reserved.