How does an insurance company investigate my past medical history?

Posted By on February 17, 2016

In this video, Alan Sackrin answers a question that he has been asked many times before by clients and visitors to this site. If you have questions after watching the video, Alan is available to talk with you now and answer your questions free of charge:

Q: How does an insurance company investigate my past medical history?

A: Believe it or not, insurance companies for the last several decades, have a database of who has made personal injury claims. While the insurance company may not have access to your medical records, it will know that you’ve made some type of claim for some type of bodily injury in the past, or that you’ve at least been involved in some type of an accident in the past. Before an insurance company settles a case, it will want to see your past medical records, especially if those medical records show injuries or complaints to the same area of the body for which you’re making the claim for this accident. In a lawsuit, the insurance company, through its attorneys, is able to ask you the names and addresses of all doctors you’ve seen for the last 10 years, ask you to produce those records, or it is able to subpoena the records directly. An insurance company will do a thorough investigation of your past medical history prior to making a settlement offer on the case.

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Do you have questions or comments? Then please feel free to send Alan an email or call him now at (954) 458-8655.

 

 

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