Disclaimer: This post is for educational purposes only. It does not constitute legal advice.
Detailed Answer: Documenting and Submitting Medical Records in Wisconsin
When you file a car accident injury claim in Wisconsin, insurers require thorough documentation of all medical treatments. Wisconsin law outlines proof-of-loss requirements under Wis. Stat. § 632.29. Follow these steps:
- Obtain and Organize Records
Contact each health care provider—hospitals, clinics, physical therapists, and urgent care centers—and request a complete copy of your medical file. Include initial evaluations, imaging reports, treatment plans, bills, and discharge summaries. Use a HIPAA authorization form (HIPAA rights).
- Create a Medical Chronology
List each visit in date order. Note provider name, date, type of treatment, and cost. Update the chronology after each appointment.
- Compile Copies and Originals
Review photocopies for legibility before sending. Send clear copies to the insurer. Keep originals in a safe place. Mark all copies “Certified True Copy.”
- Include a Cover Letter
Draft a letter listing enclosed documents. State your name, policy number, claim number, and accident date. Cite Wis. Stat. § 632.29 and any claim deadlines. For example: “Pursuant to Wis. Stat. § 632.29, please find enclosed medical proof of loss for treatment received from June through September.”
- Submit to the Insurer
Send by certified mail, return receipt requested. That provides proof of delivery. Alternatively, use the insurer’s secure online portal if available.
- Follow Up
Record the date, time, and name of any insurer representative you speak with. If the insurer requests additional records, respond within 14 days. Keep a file of all correspondence.
Citing Wisconsin Statute
Wis. Stat. § 632.29 requires you to provide written proof of loss including medical reports and bills. Reference the statute here: Wis. Stat. § 632.29.
Helpful Hints
- Use index tabs to separate records by date.
- Ask providers to bill your insurer directly when possible.
- Keep a digital backup of all records in a secure cloud folder.
- Record phone calls with insurers or medical offices, noting date, time, and contact.
- Use a case management app to track deadlines and document submissions.