Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney in Nevada for guidance tailored to your situation.
Detailed Answer
1. Gather All Medical Records
After your Nevada car accident, request complete treatment records from every provider. Include emergency room notes, hospital discharge summaries, imaging reports (X-rays, MRIs), physical therapy documentation and prescriptions. Nevada law requires you to authorize release of these records under NRS 439.520 (link).
2. Organize Chronologically
Arrange records by date. Create a simple table or binder tabs listing the date, provider name, type of service and billing codes. A clear chronology helps adjusters and attorneys review your care timeline efficiently.
3. Verify Accuracy and Completeness
Review each record for accuracy. Check patient details, dates of service, providers’ notes and billed amounts. If you spot omissions or errors, request corrected or supplemental records in writing.
4. Obtain Proper Authorizations
Sign HIPAA-compliant medical release forms from each medical provider. Without valid authorizations, insurers may delay or deny your request. Keep copies of every signed form for your records.
5. Submit Records to Insurer or Attorney
Prepare a cover letter that explains the attachments, lists each document and specifies your accident date, claim number and policy information. Under Nevada’s proof-of-loss rules (NRS 687B.1455, link), insurers may require submission within a set timeframe. Send your packet by certified mail or secure electronic portal. Retain proof of delivery.
Relevant Statutes
- NRS 52.150: Admissibility of business records in court.
- NRS 439.520: Medical records release requirements.
- NRS 687B.1455: Timing and proof-of-loss forms for auto insurance claims.
Helpful Hints
- Request digital records to speed up delivery.
- Keep originals and send only copies.
- Use a spreadsheet to track submission dates and responses.
- Follow up with providers and insurers if you don’t hear back within two weeks.
- Ask your insurer for its preferred file format (PDF, paper, secure portal).