If somebody were in a car accident and re-aggravated their injury, can and how would the third party insurance company find out about the first injury?
2006-07-19 16:15:52 · 4 answers · asked by Go-Girl 2 in Cars & Transportation ➔ Insurance & Registration
There are a number of ways this can be investigated. First, insurance companies use what is called an 'Index Bureau', where they report claims to a centralized service, with information about the injuries that the claimant (the injured person) has suffered. If that person is in another accident, the adjuster for that claim can look up the person in the Index to look for similar injuries.
The best way to get this information is to secure a medical authorization from the injured person, to get his/her past medical records. Although medical records are confidential, if an injured person wants an insurance company to take their claim seriously, they will give this authorization to the adjuster to look in to past and current medical problems. And, the insurance company must keep those records confidential; however, they can generally report the nature of the injuries to the Index Bureau that was described above.
2006-07-19 17:03:56 · answer #1 · answered by mysterytome956 1 · 2⤊ 0⤋
When the third party insurance company looks at your medical records. However, pre-existing does not apply to most group policies.
2006-07-19 23:18:25 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You dont have to be an insurance rep for that. That is determined by doctors. They have ways of knowing if the injuries are fresh. Didn't we learn anything from CSI?
2006-07-20 08:38:31 · answer #3 · answered by younggb77 4 · 0⤊ 0⤋
They would check insurance records.
2006-07-19 23:17:09 · answer #4 · answered by Nelson_DeVon 7 · 0⤊ 0⤋