Motor vehicle accidents are a common occurrence in the Lone Star State. In fact, according to the Texas Department of Transportation, there was a reportable car crash every 56 seconds in 2019 alone. Injury-causing accidents happened approximately every two and a half minutes that year.
If you have suffered a catastrophic injury in a collision, you probably want an insurance company to process your claim as quickly as possible. Still, if an adjuster tells you to sign a general medical release, you should talk to your attorney before complying.
What is a general medical release?
A general medical release, sometimes called a blanket medical authorization, may seem like a simple and straightforward insurance form. In reality, though, this release may lead to an unreasonably low settlement offer or even an outright denial of your claim.
Signing a general medical release gives the insurer your permission to delve into your entire medical history. Consequently, the insurance company may learn the details of all medical appointments you have ever attended. The company may also discover your past medical conditions and medications.
This is true whether your medical details have a direct relationship to your car accident or no relationship at all.
What can you do to fast-track the processing of your claim?
There is nothing wrong with wanting the insurance company to act on your claim quickly, but, you do not want to give the insurer a reason to offer you less than you deserve. Therefore, it is critical to think twice before signing any insurance form or making any statement to the insurance company or its representatives.
Ultimately, the most effective way to fast-track the processing of your insurance claim is to understand both your rights and your legal options.