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insurance co access to medical records?

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Posted: Fri Feb 12, 2010 4:32 pm   Post subject: insurance co access to medical records?   My auto insurance carrier wants to access my medical records in relation to paying a claim associated with a hit and run accident. What are the ramifications of not allowing them to access my medical records?	johnogden New member Joined: 12 Feb 2010 Posts: 5 1.90 Dollars($)
Posted: Fri Feb 12, 2010 5:44 pm   Post subject:    You won't be able to pursue a claim if you don't allow them access to any medical treatment you recieved from your accident.	Trench Senior member Joined: 16 Sep 2009 Posts: 911 Location: Kansas City 152.85 Dollars($)
Posted: Fri Feb 12, 2010 6:20 pm   Post subject:    Thank you for the prompt reply. Is it conceivable that they may be able to deny the claim based on any information that they may find in my medical records? For instance, if the ER report for the night of the accident shows a positive toxicology report.	johnogden New member Joined: 12 Feb 2010 Posts: 5 1.90 Dollars($)
Posted: Fri Feb 12, 2010 6:27 pm   Post subject:    Anything is possible, but normally any treatments recieved as a result from the accident should be taken care of.	Trench Senior member Joined: 16 Sep 2009 Posts: 911 Location: Kansas City 152.85 Dollars($)
Posted: Fri Feb 12, 2010 6:30 pm   Post subject:    Once again, thanks for the prompt reply.	johnogden New member Joined: 12 Feb 2010 Posts: 5 1.90 Dollars($)
Posted: Fri Feb 12, 2010 7:53 pm   Post subject:    One more thing. If they find evidence of a positive toxicology report, can they bring legal charges against me for not revealing that to them in my original statement? Or is the worst that they can do to deny the claim (including the claim to fix my car) and raise my rates (or drop me altogether)?	johnogden New member Joined: 12 Feb 2010 Posts: 5 1.90 Dollars($)
Posted: Fri Feb 12, 2010 8:07 pm   Post subject:    Probably not, but thats not a smart move on your part. Your rates can be increased up to and including being dropped from the policy.	Trench Senior member Joined: 16 Sep 2009 Posts: 911 Location: Kansas City 152.85 Dollars($)
Posted: Fri Feb 12, 2010 9:47 pm   Post subject:    got it, thanks again.	johnogden New member Joined: 12 Feb 2010 Posts: 5 1.90 Dollars($)
Posted: Fri Feb 12, 2010 9:48 pm   Post subject:    Did they ask you if you were drinking prior to the accident? If they did and you did not disclose it....you never know what they will do. If they didn't actually ask that question, you didn't lie. _________________ Can I say I’m working if I stare blankly at my computer all day?	Dasfuk Senior member Joined: 27 Feb 2008 Posts: 597 Location: Ohio 24.03 Dollars($)
Posted: Fri Feb 12, 2010 11:25 pm   Post subject:    The insurance company would not bring legal action as there is not to be taken. At best it would be a civil matter and you've not caused any harm to them. If they were to take a deposition and you lied then, then it certainly would not help your case. But I think you probably just gave them a recorded statement. I know of very few states that even allow this to be admitted as evidence. Did they specifically ask you if you had been drinking and you said no? Even then, this would just go to your credibility, it might reduce the amount of negligence against their insured, but I doubt even that would be grounds to deny your claim. Again, it would probably only add to your negligence and reduce their insureds.	tcope Forum Expert Joined: 22 Nov 2006 Posts: 5068 Location: Salt Lake City, UT 272.81 Dollars($)
Posted: Sat Feb 13, 2010 5:17 am   Post subject: Insurance claim   There are a few states that allow companies to write policies which deny coverage for injuries due to intoxication. If the insurance agreement, agreed to by the insured, contained a specific exclusion for injuries due to intoxication, the insurance company can legally deny the coverage.	Veronica Preferred member Joined: 01 Feb 2010 Posts: 191 33.01 Dollars($)
Posted: Sat Feb 13, 2010 5:42 am   Post subject:    Quote: One more thing. If they find evidence of a positive toxicology report, can they bring legal charges against me for not revealing that to them in my original statement? Lying to your insurer might get you dropped from the policy. You need to produce medical test documents to support your claim for injury. If you have told them that your toxicology tests have come negative then this report may lead to cancellation of your policy. _________________ AmPmInsure Blog	sil Community Writer Joined: 30 Sep 2005 Posts: 483 89.47 Dollars($)

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