Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice specific to your situation.
Detailed Answer
When you file a car accident injury claim in Rhode Island, accurate medical documentation strengthens your case. Below are the key steps to collect, organize, and submit all treatment records.
1. Obtain a Medical Authorization
Under Rhode Island law, you must sign a medical release form before providers can share your records. See R.I. Gen. Laws § 5-37.3-3. Use a standard HIPAA-compliant release or the insurer’s form. Provide it to each hospital, clinic, or therapist you visited.
2. Request Complete Records
Ask for:
- Emergency room and hospital discharge summaries.
- Doctor progress notes and imaging reports (X-rays, MRIs).
- Physical therapy evaluations and treatment logs.
- Bills, invoices, and explanation of benefits (EOBs) from insurers.
Request both digital and paper copies. Confirm whether fees apply. Rhode Island caps fees at a reasonable rate for records reproduction.
3. Organize Records Chronologically
Create a binder or digital folder with tabs by date and provider. Include:
- Date of service.
- Type of visit (initial consult, follow-up, therapy session).
- Summary of findings or treatments.
- Cost and insurer payment details.
Use a spreadsheet or table of contents to index records for quick reference.
4. Prepare a Medical Chronology
Write a one- to two-page summary listing each treatment, date, provider, and outcome. This narrative helps adjusters and attorneys understand your care timeline.
5. Submit Records to the Insurer or Attorney
Send your organized records package via certified mail or secure electronic portal. Include:
- Signed medical authorization.
- Medical chronology.
- Indexed records (binder or PDF with bookmarks).
- Cover letter listing included documents and claim number.
Keep copies of everything you send and note the date of submission.
6. Track Deadlines and Follow Up
Rhode Island’s statute of limitations for personal injury claims is three years from the accident date (R.I. Gen. Laws § 9-1-14). Submit records promptly to avoid delays. Confirm receipt with the insurer or attorney within 10 days of mailing.
Helpful Hints
- Use a digital scanner or app to convert paper records into PDFs with clear file names.
- Maintain a medical diary to note pain levels, daily activities, and missed work.
- Get sworn statements from treating providers if future dispute arises.
- Request itemized bills to verify all charges and payments.
- Keep an email trail when communicating with insurers or providers.
- Review your auto policy’s PIP (personal injury protection) coverage limitations early.
- Consult an attorney before settlement to ensure records support your full damages.