Signing medical release forms and using the Colossus program?
I was in a car accident. The liability insurance company is asking me to sign and forward medical release forms. What should I know before signing the release forms?
The insurance company representative has also informed me they will use colossus personal injury program that has a predetermined outcome based on a standard list of questions and answers entered by the insurance company. Do I have to agree to use this settlement tool? Is it a good tool? What is the industry recommendation regarding this tool? Thanks for any information you can give.
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ANSWER for "Signing medical release forms and using the Colossus program?":
Trisha (Greenville, SC):
Unfortunately you can’t disagree or avoid the Colossus settlement program. The Colossus program was first licensed by the Allstate insurance company in the 90s. The program was created to help insurance companies standardize and expedite the settlement process. Today, over 50% of existing liability insurance companies use the Colossus program.
The Colossus program does not allow for direct victim input. Rather, claims adjusters input data related to the claim and then wait for the program to “turn out” recommended settlement parameters.
If you want to pursue your injury claim without having to file a lawsuit, you remain subject to the results of the Colossus program. This doesn't mean there isn’t room for negotiation. While Colossus suggests settlement parameters, the program allows for differentiations dependent upon existing data.
Signing medical releases are a standard part of settlement negotiations. The insurance company will rely on your medical records to help verify the type and severity of your injuries. Read the forms carefully to be sure they designate the doctors or hospitals who treated you. In other words, if the release forms say you agree to the release of ANY of your medical records from past doctors who treated unrelated injuries, then you should balk at signing them.
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.
Best of luck,
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