Insurance 101 – Chapter 14 – Volume 30 – Medical Records

Medical Records

The adjuster should obtain the medical records with an authorization signed by the claimant, and should visit the medical facility in person to verify its existence as a functioning healthcare provider. If the adjuster believes an independent medical examination is required, he or she should insist that the medical examiner be truly independent. Most insureds, and their attorneys, believe that independent medical examiners are not independent but are “owned” by the insurer. The adjuster should never attempt to change the opinion of the independent medical examiner even if it is contrary to the interest of the insured.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

Legal Disclaimer

The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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