nobody
07-01-2003, 02:06 PM
"rick++" <rick303@hotmail.com> wrote in message
news:j481fvsgu333oecq3ltc60nia3fffmtp3o@4ax.com... Does pursuing a personal injury auto accident claim make it harder or more expensive to acquire automobile or medical insurance in the future? I read about black-listing of property insurance, and pre-existing
problems for medical insurance, and cant help wondering is similar red-lining for personal injury. I realize I am already in such databases for having the economic parts of a claim paid out in auto accident, but can there worse consequence for hiring a PI lawyer?
This one I can answer as this is my line work (insurance adjuster).
Short answer: no
1. Casualty Companies and Health and Accident Companies do not generally
share the same data.
2. Casualty Companies solicit medical information to evaluate the
implications of an injury.
3. Health Insurance Companies solicit medical information to evaluate the
consequence of diseases.
4. The new federal law on medical authorizations allows you to stipulate
when granting a medical authorization what information can be gathered
and who it can be shared with. You may also restrict it life (usually one
year).
I recommend that when you give the insurance company a medical authorization
to gather information relating to your injury that you stipulate that it
applies only to information relating to the injury resulting form the
accident and that it can be used for evaluation and cannot be introduced in
to evidence or released to other parties with out your prior consent.
There are some exceptions to the above if you have a disease that may be
aggravated by an accident or that may slow the healing process. In this case
they need to know about it. Examples are diabetes and cancer.
In the alternative you have the right to secure copies of the charts your
self and then you can decide what information you will provide from the
charts. This is slow and there are charges for photocopying that can become
expensive, but it is the most secure way of controlling the release of the
medical information.
This is a generic answer because there may be different laws in the various
states which may applicable.
I handle claims in the Midwest.
Coleman Smith
licensed only to drive a car.
news:j481fvsgu333oecq3ltc60nia3fffmtp3o@4ax.com... Does pursuing a personal injury auto accident claim make it harder or more expensive to acquire automobile or medical insurance in the future? I read about black-listing of property insurance, and pre-existing
problems for medical insurance, and cant help wondering is similar red-lining for personal injury. I realize I am already in such databases for having the economic parts of a claim paid out in auto accident, but can there worse consequence for hiring a PI lawyer?
This one I can answer as this is my line work (insurance adjuster).
Short answer: no
1. Casualty Companies and Health and Accident Companies do not generally
share the same data.
2. Casualty Companies solicit medical information to evaluate the
implications of an injury.
3. Health Insurance Companies solicit medical information to evaluate the
consequence of diseases.
4. The new federal law on medical authorizations allows you to stipulate
when granting a medical authorization what information can be gathered
and who it can be shared with. You may also restrict it life (usually one
year).
I recommend that when you give the insurance company a medical authorization
to gather information relating to your injury that you stipulate that it
applies only to information relating to the injury resulting form the
accident and that it can be used for evaluation and cannot be introduced in
to evidence or released to other parties with out your prior consent.
There are some exceptions to the above if you have a disease that may be
aggravated by an accident or that may slow the healing process. In this case
they need to know about it. Examples are diabetes and cancer.
In the alternative you have the right to secure copies of the charts your
self and then you can decide what information you will provide from the
charts. This is slow and there are charges for photocopying that can become
expensive, but it is the most secure way of controlling the release of the
medical information.
This is a generic answer because there may be different laws in the various
states which may applicable.
I handle claims in the Midwest.
Coleman Smith
licensed only to drive a car.
