Why An Insurance Adjuster Want Your Medical Records:
An insurance adjuster may ask for additional medical records they believe are relevant to your claim. Sometimes adjusters will ask for X-Ray records to see if you had a pre-existing injury. In certain scenarios, an insurance adjuster may try and use your medical history against you.
What Should You Do:
If an adjuster requests records you feel are irrelevant to your claim, politely tell the adjuster you do not believe he/she need the medical records. Or ask the insurance company to pay the hospital for the records. Typically, a small fee is incurred when a request medical records are made. If the insurance company agrees to pay the fee, then the information requested must be vital to your claim.