The Insurance Company Wants My Medical Records, Should I Give Them Everything?
Doctor reviewing medical records with a patient after an accident, illustrating how insurance companies request medical documentation during a personal injury claim. Crowley Law PC helps accident victims protect their rights in Los Angeles, California.
After a car accident, it’s common for the insurance company to ask for your medical records. They may tell you it’s just a routine part of the claims process or that they need the information to evaluate your injuries.
But before you sign anything, take a step back.
Many accident victims in Los Angeles unknowingly give insurance companies access to far more information than necessary. And once they have it, they may use it to reduce or deny your claim.
Here's what you need to know.
Why Does the Insurance Company Want Your Medical Records?
Insurance companies need some medical information to verify that your injuries were caused by the accident. That part is normal.
The problem is that many insurers don't just ask for records related to the crash. Instead, they may request broad authorizations that allow them to review years of your medical history.
They're often looking for reasons to argue that:
Your injuries existed before the accident
Your pain is unrelated to the crash
You had a similar injury in the past
Your condition isn't as serious as you're claiming
In other words, they aren't always looking for reasons to pay your claim. They're often looking for reasons to pay less.
Should You Sign the Authorization Form?
Not without understanding exactly what you're giving away.
Many authorization forms allow insurance companies to access:
Prior medical records
Previous injuries
Unrelated health conditions
Treatment history completely unrelated to the accident
For example, if you're seeking compensation for a neck injury after a crash in Los Angeles, the insurance company generally doesn't need access to years of unrelated medical treatment.
Before signing anything, it's smart to speak with an attorney who can review the request and protect your rights.
What Medical Records Are Actually Relevant?
In most personal injury cases, relevant records include:
Emergency room visits
Accident-related doctor appointments
Physical therapy records
Imaging results such as X-rays or MRIs
Treatment plans related to your crash injuries
These records help establish the connection between the accident and your injuries.
The key is providing what is necessary without giving the insurance company unrestricted access to your entire medical history.
How Medical Records Can Affect Your Settlement
Insurance adjusters carefully review medical records when determining settlement value.
They may look for:
Gaps in treatment
Missed appointments
Prior complaints involving the same body part
Statements they can use against you
This is one reason why consistency in treatment and documentation is so important after a car accident.
When Should You Call a Lawyer?
If the insurance company is asking for medical records, that usually means they're evaluating your claim.
This is often the point where having legal representation can make a significant difference.
An experienced personal injury attorney can:
Review authorization forms before you sign
Limit unnecessary access to private medical information
Handle communications with insurance adjusters
Protect your claim from unfair tactics
Fight for the compensation you deserve
Protect Your Rights Before You Sign
If you've been injured in a car accident in Los Angeles, Pasadena, Glendale, Burbank, or nearby communities, don't assume the insurance company is looking out for your best interests.
Before handing over your medical history, make sure you understand your rights and your options.
We’ll help you get the medical treatment you need and the compensation you deserve.
Here to make it right, when you've been wronged.
And Justice for All! ⚖️
Crowley Law PC
📞 (213) 325-5248
