What is a medical authorization and should I sign it?
An authorization lets the insurer request records from providers without going through you.
Your own insurer may reasonably require some authorization to process a PIP claim, and refusing outright can affect benefits.
The other driver's insurer is a different matter. You're not obligated to give them direct access to your providers.
What to look at. Does it name specific providers or all providers? Does it cover a defined time period or your entire history? Does it cover specific conditions or everything? Does it permit the insurer to speak directly with your doctors — which is a separate and significant concession?
A limited authorization identifying relevant providers and a defined period is reasonable. A blanket one isn't.
The alternative most attorneys use: obtain the records yourself, review them, and produce what's relevant. That preserves the ability to know what's being provided.
Read the scope before you sign. Blanket authorizations are the problem. ---
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