If you have been in a car accident, your world may seem to have turned upside-down. After all, in addition to having injuries and mounting medical bills, you do not have a driveable vehicle to get you to medical appointments. According to Psychology Today, you even may be experiencing anxiety, depression or post-traumatic stress disorder.
You do not want your physical or mental state to discourage you from protecting your legal and financial interests. If an insurance adjuster asks you to sign a general medical release or any other forms after your crash, you probably want to first seek some legal advice.
How insurance companies operate
Insurance companies may provide incentives and rates to earn your business. Then, they collect the premiums that you pay every month. When it comes to processing and paying your insurance claim, though, your insurer may be stingy. That is, the insurance company may try to do something to lower your settlement or deny your claim completely.
Why general medical releases are problematic
A general medical release is your permission for the insurance adjuster to look at your entire medical history. After you sign one, the adjuster may find pre-existing medical conditions, treatments or medications that have nothing to do with your accident or claim. Still, these may give the adjuster a defensible reason to settle your claim for far less than you deserve.
Despite what an adjuster may tell you, the insurance company is not necessarily on your side. Ultimately, by exploring all your legal options before agreeing to sign a general medical release, you are likely to avoid unnecessarily complicating your claim.