2007-01-28 07:42:16 · 8 answers · asked by cakcynthia 2 in Cars & Transportation ➔ Insurance & Registration
It is normal to ask for additional med records PRIOR to accident if the records will assist them in offering and paying a fair settlement to you.
For example, if you had a pre-existing condition that was aggravated as a result of this loss, if you had prior surgery for an injury that resolved and now you're having to have the same surgery again as a result of this accident; if you're claiming injury that on the surface doesn't appear related to the car accident but prior records will show it is related, then yes it's very appropriate.
It's not appropriate if they are doing so to delay settlement of your claim.
2007-01-28 12:23:50 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
Only if you're submitting a medical claim. Insurance policies only cover damages from individual events. His asking for your complete medical history is allowing him to rule out any pre-existing conditions which an insurance policy would not pay for. In absence of any previous similar injuries, the evidence would indicate that your injury is indeed from this event, and the insurance company would pay. If there were no injuries from this accident, the only reason I could see him wanting your complete medical history is to see if you have any medical conditions which might have contributed to the accident. Normally this wouldn't come up, but if anything was said or mentioned that a medical condition might have had something to do with it, he would look into it. Remember, an adjuster's primary job is to investigate all aspects of the claim.
2007-01-28 07:49:57 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Yes, if you are claiming medical expenses/treatments. The claims adjuster has an obligation to research your injury against any possible pre-existing conditions. It olny makes sense to assume that someone that is claiming $6,000.00 in chrio 'treatments' since an accident was really injured in the collision -- but many, many times it is discovered that these same people have been treating and had surgeries years before the loss. This doesn't necessarily mean any decrease in med payments but a review of someones medical history is a reasonable request.
2007-01-28 13:29:50 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Yes. They are checking for history of similar cases. It is simply a measure to help detect people who commit insurance fraud.
2007-01-28 07:47:13 · answer #4 · answered by Jerry L 6 · 1⤊ 0⤋
no it isnt.sounds like they are trying to dig up a pre existing condition(real or made up by them) to get out of paying your claim. unless youve had many such claims in the past this is not a normal or even ethical request of them!
2007-01-28 08:06:02 · answer #5 · answered by Anonymous · 0⤊ 1⤋
They don't want to be paying for any pre-existing conditions.
2007-01-28 07:50:53 · answer #6 · answered by margarita 7 · 0⤊ 0⤋
Maybe if they believe that you are trying to scam them. Maybe they think this is not the first time you have tried it.
2007-01-28 07:46:11 · answer #7 · answered by ~♥Aimee♥~ 3 · 0⤊ 0⤋
No its none of his business, tell him to bug off.
2007-01-28 07:50:24 · answer #8 · answered by Bruce 4 · 0⤊ 2⤋