Why You Shouldn’t Give an Insurance Adjuster Your Health History

When you’re involved in a personal injury case, you may find yourself in a situation where an insurance adjuster asks for your health history. It’s important to understand the risks associated with sharing this information and how it can impact your claim.

Having a strong personal injury attorney on your side can make a big difference in the outcome of your claim. Let us help. Call The Dodd Law Firm at 203-272-1883 to set up a consultation with our team of Cheshire personal injury attorneys.

Understanding the Role of Insurance Adjusters

Insurance adjusters are hired and paid by insurance companies, and their primary responsibility is to look into claims like yours after an accident has occurred. While they might come across as friendly and approachable, their main goal is to save their company money. This is why they’re focused on gathering as much information as possible, including your health history. 

They do this in hopes of finding any piece of evidence that can be used to either reduce the amount they have to pay you or deny your claim outright. Remember, despite their demeanor, insurance adjusters are not your allies in this process. Their allegiance is to their employer—the insurance company. Their expertise in navigating through claims and their knack for obtaining information that might not favor your case makes it crucial for you to approach interactions with them with caution. Understanding that their motives may not align with your best interests is key to protecting yourself and your personal injury claim.

The Risks of Sharing Your Health History

Handing over your health history to an insurance adjuster opens the door to a wide range of potential issues that could weaken your personal injury case. Insurance adjusters love finding past injuries or medical appointments that could allow them to pin your current injuries on past experiences.

This can lead to their offering you less money than you deserve, or they might even try to deny your claim, leaving you without the financial support you need for your recovery. The key point here is that your health history contains private information that can be misinterpreted or taken out of context by someone looking to find reasons not to pay your claim. By being cautious about what you share, you can avoid giving the insurance adjuster ammunition to use against you. This doesn’t mean they don’t need any medical information—it just means you should be picky about what information you give them.

Protecting Your Personal Injury Claim

To safeguard your personal injury claim, tread carefully when revealing your health history to insurance adjusters. Your medical details should be treated as confidential, shared only when absolutely necessary for validating your claim. Consulting a knowledgeable personal injury attorney is a wise step. Not only can they take over communication with the insurance adjuster on your behalf, but they can sidestep damaging questions like those demanding access to your health history. When insurance adjusters truly do need information about your recovery and injuries, your attorney can provide them only the records they genuinely need.

How to Communicate with Insurance Adjusters

When talking to insurance adjusters, keep your guard up and think carefully before you speak. Share only the necessary details about the accident and how you were hurt. Don’t bring up your past health issues or medical history, as this can be twisted and used against you. If an adjuster asks for your health history, it’s okay to say no and tell them they can talk to your lawyer if they need more information. 

This approach helps you stay on the safe side, ensuring you don’t accidentally give them something they could use to challenge your claim. Remember, your focus should be on the facts of the car accident and the injuries you’re dealing with now. This careful way of communicating protects your claim and helps you stand a better chance of getting the fair compensation you deserve.

Explore Your Legal Options with The Dodd Law Firm

The sooner you begin working with The Dodd Law Firm, the sooner you can stop communicating with the other party’s insurance company and focus on your own recovery. Set up a consultation right away by calling us at 203-272-1883 or reaching out online.