Auto insurance companies often request an accident victim’s medical records before agreeing to pay on a claim. They may do this for multiple reasons, such as verifying that your injuries were caused by the wreck and not by a pre-existing condition.
Rarely is it within your best interests to sign a waiver giving the company unlimited access to your records. After all, this is private information. Instead, you should acquire the records yourself and send them to the adjuster on your own. This helps to protect your confidentiality.
If your insurer requests records that have nothing to do with the injury, then you have the right to challenge the request.