What Your Medical Adjuster Needs After A Car Accident

Posted on: 22 June 2018

If you are injured in a car accident and required medical care, your first step to getting compensated is to file a claim with your insurance company. A medical insurance adjuster will ask you for some additional information while he or she works on your claim. The following are some documentation that will be requested to process your medical claim:

You Medical Records

Once you have been seen by a physician, you will need to send a copy of your medical records to your insurance adjuster. He or she will use this information to determine how much you should get in damages.

Your medical records will include the nature of your injuries, the medication you received, your prognosis, and the doctor's notes. You can also submit your test results, X-rays, and other information the adjuster will need to process your claim.

While you are asked to submit a lot of personal information, keep in mind there is a limit to what the adjuster can ask for. If you believe that you are being asked for too much personal information, you can opt not to send it to the adjuster.

If you are unsure about providing such personal information, you can ask what it will be used for and what will happen to it once your claim is processed. You can then either go ahead and submit the information or decline, based on the answer you are given.

Your Medical Report

Your adjuster may ask you to submit a detailed medical report. This is different than your medical records. A detailed report is a document that your physician will complete that provides a complete outline of your injury, why you need certain treatment, and how your injury is related to the accident. You will have to pay for this report, as it is not a free service that doctors provide. However, if it is requested by your adjuster, you can request they pay for it. If your insurance agency will not comply with this request, you need to talk to your attorney to persuade the insurer to do so since they are making the request in the first place.

Dealing with an injury claim stemming from a car accident is a straightforward process. While you are going through the process, you need to communicate with your attorney. You need to know your rights so that you do not provide too much information than is truly needed to satisfy your claim. Contact a firm like McMenamin & McMenamin, PS for legal help.