Common Insurance Adjuster Traps: Medical Authorization Forms

One trap that the other party’s insurance adjuster might set for you is a medical authorization form. The insurance adjuster might try to tell you that you are legally required to sign the form if you want to make a motorcycle injury claim and allude to a nebulous “cooperation clause.” The insurance adjuster might assure you that cooperating by signing whatever forms he wants you to sign is the best way to receive prompt payment. He might also tell you that signing the form authorizes him to do all of the work involved in the lengthy claims process, and all you will have to do is sit back and receive payment. Do not fall for this. None of these claims are true. It becomes obvious that signing these forms is a bad idea after just a short look at what these forms actually say and what they allow the insurance company to do. Medical authorization forms allow the insurance company to access your medical records, not just the documents that pertain to your motorcycle accident. Often these forms are worded in a way that gives the insurance company unlimited and permanent access to your medical history. The insurance company has no incentive to act in your best interest. It will use any information it can find to try to cast doubt on your claim. For example, the insurance company might use a similar injury you had years ago to try to claim that your condition is reoccurring. You and your First Coast motorcycle injury attorney should carefully read any form that the insurance company tries to have you sign. Look for any language that might give the insurance company more access to your medical records than it absolutely needs. If your First Coast motorcycle injury attorney finds the forms unsatisfactory, demand that the insurance company give you a new agreement. Do not be bullied by insurance companies. Make sure you have an experienced First Coast motorcycle injury attorney to advocate for you. If you have been injured, call attorney John Fagan for a free consultation.

About John Fagan

John is a Jacksonville native who grew up on the First Coast. He graduated from Bishop Kenny High School in 1975 and went to college at Florida State University where he completed a 4-year program in 3 years. John graduated from the Florida State University College of Business in 1978 and went straight into Florida State University College of Law. While in law school, John earned a position on the prestigious Law Review Board serving as its Business Editor. As a law student, John studied in the Oxford program. He also interned with the Florida Legislature working in the Florida House of Representatives Criminal Justice Committee. John was admitted to the Florida Bar in 1981. John began his legal career as a law school intern in the State Attorney's Office in Jacksonville in 1981. After his internship, legendary State Attorney Ed Austin hired John as a full-time Assistant State Attorney for the Fourth Judicial Circuit (Clay, Duval, and Nassau Counties). As a prosecutor, John tried jury and non-jury trial on charges ranging from DUI to Murder. In 1983, John moved from the State Attorney's Office to begin his career in private practice. He has practiced law for 30 years on the First Coast. For the last 20 years, John and his family have made Clay County their home. John limits his practice to personal injury and disability cases. While there are many fine attorneys in Clay County, John is one of only a few Clay County attorneys who limit their practice to personal injury and disability cases. John takes pride in helping clients resolve injury claims in ways that avoid the stress, uncertainty, and the expense of unnecessary litigation. Professional Activities John is the past President of the Clay County Bar Association and has served on the Board of the Clay County Bar Association from 2009-2013. He is an active member of the Florida Bar, and the Federal Bar of the Middle and Southern Districts of Florida. He is also a member of the American Association of Justice, the Florida Association of Justice, the National Organization of Social Security Claimants' Representatives, and the National Organization of Veterans' Advocates. Service to the Community John is involved in the Clay County Community serving as a member and Director of the Rotary Club of Orange Park, of the Clay County Bar Association, and the Putnam County Bar Association.
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