Vehicle accidents are the leading cause of personal injury cases in the United States. Injuries range from minor scrapes and bruises, to permanent disability and death. Most injury claims are submitted to the “at-fault” driver’s insurance company and may result in litigation.
When gathering claim documentation, it is essential to request the full extent of the claimant’s records from all key healthcare providers. This includes every type of record related to the claimant’s injuries, their treatment, and costs. Ontellus has the legal expertise to help obtain these records via authorization or subpoena.
Rear-End Accident Claims
Head-on Accidents (most lethal car wrecks)
Side-impacts and T-bones
Pedestrians Hit by Cars
Public Transportation Injuries
ATV/Off-road Vehicle Injuries
Boating Accident Claims
From soft-tissue injuries to permanent disability, the more common auto accident injuries that drive medical records analysis include:
Whiplash and Neck Injuries
Spinal Cord and Back Injuries
Concussions and Head Injuries (high-dollar claims)
Knee, Ankle and Leg Injuries
First-party insurance claims have different rules than third party claims. Most no-fault (and worker’s comp) insurance policies contain a clause requiring the claimant to submit to an Independent Medical Exam (IME) at the carrier’s request which involves obtaining medical records. Insurance companies normally request IMEs after retrieval of records when they want to evaluate the nature and extent of the injuries, or the medical treatment required.
Third-party claims are those filed against an “at-fault” driver and defended by his insurance company. They exist in the absence of no-fault insurance, and normally do not require an IME. The injured party’s medical records are not automatically accessible to the insurance carrier without an authorization from the injured party or via subpoena should a lawsuit be filed.
Ontellus is well versed in the unique state insurance and compensation rules, in addition to the specific legal rules for preparing, noticing and serving record subpoenas to obtain records.