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Things You Do Not Have To Provide The Insurance Company

1. Recorded statement

You are not required to give the responsible party's insurance company a recorded or written statement. You may have to provide your own insurance company with a statement. In either scenario, you have the right to have an attorney present to make sure the insurance company does not take advantage of you.

2. Medical authorizations

Often times, the insurance representative will want you to sign paperwork allowing them to get medical documents directly from your physicians. Often times, the medical authorization will allow the insurance representative to get medical records from ANY health care provider you have seen. This would include not only physicians you have seen for your accident injuries, but also physicians you may have seen before the accident or for unrelated conditions. The insurance company uses blank authorizations in order to dig into your background in order to find excuses to pay you less than you deserve on your claim.

3. Your Social Security Number

By law, you are not required to provide the insurance company with your Social Security information. Often times, the insurance company wants this information to do a background check on you, to see if they can turn up any information which they could try to use against you.

4. Health history

Insurance representatives often want you to provide information about your health history. Often times, the questioning goes beyond the particular injuries which were caused in the accident. The law allows you to refuse to provide information about injuries that have nothing to do with the accident.

5. Work history

Often times, insurance representatives want to get a detailed history from you about your places of employment, your work hours, rate of pay, etc. This information is sought even though you may not be making a claim for time missed from work because of your accident. Some times the representative uses this information to identify individuals who may have unkind things to say about you. The insurance company wants this information even though the information has nothing to do with your accident claim.

6. Release of your claim

Some insurance representatives pressure people into signing a release. The representative wants to end the claim before an injured victim has completed their medical treatment or knows the full extent of their injury or property damage losses. You are not required to sign a release until you know the full extent of your injuries and damages. An attorney can help you make sure that you have provided a full accounting of your losses to the insurance company before signing any paperwork from the insurance company.

7. Your health insurance information

Often times, the insurance company for the responsible party wants to know if you have health insurance which is paying for your bills. By law, this information is not relevant to the responsible party's insurance company liability to you. The responsible party's insurance company is not allowed to take advantage of the fact that you paid for health insurance. The responsible party is responsible to pay for all damages and they do not get a credit for expenses paid through your health insurance company or out of your pocket personally.

8. Names of your ex-spouse/friends/social network sites

Sometimes the insurance company wants you to provide them with a history of your previous spouses or provide them with a list of the names of your friends or your social network site. Often times, the insurance representative will contact these individuals or review your site in order to dig up non-complimentary information about you. The insurance representative is not concerned about whether the information is true or not. The information may be used by the insurance company, however, to leverage you into accepting less than you deserve on your claim.

9. Original documents

Often times, the insurance company will ask you to provide them with documentation of your claim. This may include submitting photographs, a faulty product, letters or statements from witnesses, etc. In no uncertain terms should you ever provide the insurance company with the original of any item requested. The insurance company should only be provided with copies of documents. You need to maintain the originals. If a particular product needs to be inspected, it should be handled through an attorney to make sure that the integrity of the item at issue is not compromised or lost.

10. Legal arguments

Often times, the insurance representative will try to start an argument with the injured victim. You are not required to engage in arguments with the insurance company concerning the facts or law that applies in your case. The insurance representative is trained in the law and is trying to get you to take a position which will allow the insurance company to pay you less on your claim than you deserve. The best course is to have an attorney review your claim and handle any arguments posed by the insurance representative to make sure you are protected and treated fairly.

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