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How Do I Disclose A Pre-Existing Condition?


Talking to insurance adjusters about an accident can result in conversations you are not prepared for. You may go into a phone call believing you will only be talking about when the accident happened and the total of your medical bills as a result of the collision. But the insurance company may ask questions about prior injuries, including if you sustained an injury to the area of your body hurt in the accident before. It is important you understand how pre-existing health conditions can impact your claim.

Legal professionals can help you through the claim process. Having a lawyer on your side before you talk to insurance adjusters will decrease the possibility of an adjuster reducing or denying your claim because of a pre-existing condition, This is because a qualified Miami personal injury lawyer knows how to properly disclose your pre-existing injuries.

Pre-Existing Condition Claims Can Be Complicated

It is important for you to be truthful throughout the claims process. You do need to provide accurate information so a fair compensation amount can be determined. It is possible there will be complicated details to untangle. For example, if you were involved in two car accidents in one week, it can be difficult to separate the initial injury from exacerbated harm.

Going over the details of your accident with a car accident lawyer is an opportunity to develop a clear picture of what happened when. It is possible a prior health issue will also be part of the claim and your lawyer can help you with disclosing the appropriate part of your medical history to the insurance company. It may be in your best interests to only share the portion of your health history that pertains to the case.

Aggravated Injuries and Economic Damages

When an accident exacerbates pre-existing injuries, there can still be a path to securing compensation for economic damages, including the following.

  • Medical fees
  • Lost wages
  • Scarring or disfigurement

Additionally, non-economic damages, such as emotional distress and suffering, could be part of your settlement. After an accident injury, you need a legal professional working on your case so you can take the time you need to heal properly.

There are timelines in place for filing a personal injury claim. In the state of Florida, you have up to four years to file. But for minors, that timeline could be extended to seven years. All accident victims should get their claims process started right away, delayed claims can make the process more challenging. Do all you can to strengthen your claim, reach out to a reputable Miami personal injury lawyer to learn more.

Are you ready to pursue compensation after an accident but are unsure how to disclose your pre-existing condition? Contact a Florida attorney as soon as possible. The legal team at Spencer Morgan Law is committed to helping you through the claims process and working to recover the compensation you deserve. Our attorneys have successfully represented clients in car crash, cruise accident, and sporting event cases. Schedule your no-cost, confidential consultation today, call 305-423-3800.

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