The Insurer Wants You to Sign a Release? What You Need to Know?Jul 10, 2020 Car Accidents Insurance Issues Legal Blog Ohio Personal Injury Personal Injury Slip and Fall
After you file a claim with an insurance company, you’ll receive some documents from them. These documents will probably include a medical or property damage release awaiting your signature.
Should I Sign A Medical or Property Damage Release from the Insurance Company?
The insurer may present it as routine, but do not sign any release or authorization without speaking to an attorney first. It is crucial that you understand what these documents say and what signing means in the long-run. Contacting an attorney and knowing your options early-on could mean recovering what you deserve.
To learn more about medical or property damage release forms in Ohio, call the Ohio personal injury lawyers of Kisling, Nestico & Redick at 1-800-HURT NOW. We offer free initial consults and there is no risk because there’s no charge unless you recover compensation.
A Medical Release
In most situations, you do not want to sign a medical release form. This gives an insurer the ability to access your medical history, including details regarding your present injuries and your past health.
By signing this release, you can’t limit what the insurance company accesses and sees about your health. This can make it hard to obtain compensation for your injuries. For example, if you had any past medical issues, even if it is minor, the insurer may try to link your current injury to a previous condition.
For instance, if you experience constant headaches after a brain injury in a car accident, yet there are records of you having headaches in the past, the insurer may claim this condition is not from the accident. They can use this to offer less or deny your claim altogether.
What a Lawyer Can Do
There may be circumstances in which you and your attorney feel comfortable signing a medical release. But, you should release your medical information carefully, and not without legal advice. You do not have to sign this authorization form. Instead, you can provide only the medical documentation necessary for the insurer to evaluate your injuries and compensation.
Property Damage Release
A property damage release is common after car accidents when your vehicle was totaled. But If the insurance adjuster finds your vehicle is not totaled, or the cost of repairs is less than its current value, the insurer will only pay for the necessary repairs. There is no need for a release regarding the cost of any other damage.
However, when your vehicle is totaled, you may receive a check and/or a property damage release. By cashing the check or signing the release, you agree that the insurer’s liability toward you is completed. You cannot go back and ask for more money for your vehicle or other property damage. This means you need to be sure the amount you received is enough before signing a property damage release or cashing an insurer’s check.
Speak to Our Ohio Personal Injury Lawyers Today
An insurance claim can become a complex process and you are probably going to receive numerous documents from an insurer. Never sign any of them until you understand whether or not it is in your best interests.
We can review your situation and help you decide what to do next.