People ask my why I am against having you sign a medical authorization. The newest question centers on people who do not have a history of pre-existing conditions.
You have a right to privacy. You may waive that right when you sign an authorization. It is none of the insurance companies business what is in your medical records, but once they have it, the case moves from one of being about your injuries to one of being about whatever else shows up, whether it is related or not.
Maybe you had a pregnancy, or an abortion, or maybe a heart condition. Then the questions go something like this. “Mr. Smith, in 1994, you had a heart attack, correct?” “And were you in pain after?” “And how would you rate that pain?” “Isnt it true that pain was worse than the pain from this accident?”
The insurance company has now minimized your pain because you gave them unfettered access to your medical records. For this reason, along with the others I have discussed, it is not something you want to do.