Despite major advancements in vehicle safety in recent decades, car accidents remain a leading cause of serious injury in New Jersey and across the country. In fact, an estimated 4.4 million car accident injuries occur every single year in the U.S. Sadly, many of these leave accident victims with forever changed lives.
Medical privacy is an important aspect of the health care system in the U.S. To ensure you receive prompt diagnosis and effective treatment, you must have the freedom to discuss sensitive matters with your physician. You also should not have to worry about major corporations finding out about your medical history.
The blanket medical authorization
If you suffer a catastrophic injury in a serious car accident, you may have mounting medical bills you simply cannot pay. When processing your insurance claim, an adjuster may ask you to sign a blanket medical authorization. This authorization effectively waives your medical privacy, as it gives the adjuster broad latitude to look into all aspects of your medical records.
The danger of insurance forms
Major insurance companies have the financial resources to obtain competent legal counsel. Consequently, there is a good chance insurance forms protect the interests of the insurance company. These interests may or may not align with your interests. Accordingly, before signing any insurance forms after a car accident, you may want to level the playing field by obtaining your own legal counsel.
Ultimately, signing a blanket medical authorization and other insurance forms may be riskier than you think. After all, an insurer may use a pre-existing condition or previous injury either to offer you a low settlement or to deny your claim completely.