Why do insurers ask for so much information? Is it really necessary?
When you are injured in an accident in Ontario, you need to establish that the injuries sustained have impacted you. Thus, your pre-accident medical history, income history and education may be relevant. This information is critical to establish whether the accident caused your injuries and, if so, the value of those injuries.
Here are the key types of documents typically required:
Medical Records: This includes ambulance reports, hospital charts, doctors’ and nurses’ notes, exam and diagnostic test results, and any treatment records. Your family doctor records are also relevant including those specialists you have seen before the accident. Typically, insurers expect between 3 to 5 years of pre-accident records.
Medical Bills: Itemized bills from hospitals, doctors, therapists, and any other medical providers.
Accident Reports: Police reports or any official documentation of the accident. This helps to determine who is at fault for the accident.
Witness Statements: Testimonies from anyone who witnessed the accident.
Lost Income Verification: Documentation of any wages lost due to the injury such as an employment file, income tax returns, pay stubs, T4 slips and notices of assessment2.
It is important to know that you should not hide any relevant records. Providing incomplete or misleading information can harm your claim and may be considered fraudulent.
As for records before your injury, insurers often request these to determine if you had any pre-existing conditions that might affect your claim. This helps them assess the extent to which the accident caused your injuries versus any prior health issues.
If you have concerns about privacy, you can limit the release of your medical records to only those related to the injury. Consulting with a personal injury lawyer can help you navigate this process and protect your interests.
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Disclaimer: The explanations and information provided here are for general informational purposes only and are not intended to be legal advice. Always consult with a qualified lawyer or legal professional for advice specific to your situation.