Should I sign medical release forms sent to me by the Insurance Carrier?
As soon as your claim is reported, and before you have opportunity to even speak with a lawyer, the opposing insurance company will send you a medical release. They might tell you that they are “like a good neighbor”, or that “you are in good hands”, or even that they are “on your side”. Nothing could be further from the truth. Read the documents in our library section about the worst insurance companies or insurance tactics, if you need some further proof.
So do you sign the medical release? Is the medical release for only the records related to this accident or does it release all your medical records? Could the release be sent to your health insurance carrier so that they have to produce all your claim records for the past 10 years? Could the release be used to obtain your birth records? Why would the insurance company want to get their hands on a release which freely gives them carte blanche to investigate your background? And, why would they want to do that anyway, since of course, “they’re on your side”. There are so many reasons why shouldn’t sign it, it actually is pretty hard to think of why you should.
If your thinking of signing the release, call your adjuster. Tell them that in return for signing the release, you want a letter on official insurance company letterhead stating that their insured was negligent, and that they agree to pay all your medical expenses and damages relating to your accident.
When the insurance company tells you that they can’t do that, or that it’s against company policy, give me call, tell me that you didn’t sign the release, and we’ll take it from there.