Auto Insurance demanding health information after a claim

[ml80219575]

A deer ran into my car Feb 2025 and cause some damage to the left front quarter panel of my car.  I claimed the damanged on my Auto-Owners insurance and they paid to have it fixed.  I went to a chiropractor for a back adjustment for 8 months and Auto-Owners paid for that.  Auto-Owners called me and tried to get me to accept home health care which I refused.  I didn't need help bathing or getting dressed or cleaning my house.  I no longer see the Chiropractor. 

Now in October 2025, I receive paperwork requesting my signature so that Auto-Owners can obtain my medical records going back to January 2020 to the present and including all radiology reports including my mammograms, CT scans, Pet scan, Ultrasounds, any Nuclear Medicines,x-rays, MRIs, Interventional Rediology.  Plus they want all other health care providers records too and the paperwork says this information may no longer be protected by HIPAA. 

Is this a scam? Can they ask for this information?  Are I obligated to provide them with this? 

[GailL1]

@ml80219575 

You did not say specifically but did your doctor or an emergency room refer you to the chiropractor AFTER the accident and after test or images were taken to help diagnosis the problem. Why did you end up at a chiropractor rather than an orthopedic doctor or even a neurologist.  

Auto insurance is always primary in an accident, then other insurance, like Medicare pays second.  Your auto insurance must pay for accident-related medical expenses first, up to your policy limits.

Sounds like you have discontinued treatment - have you signed a release with the insurance company yet?

It sounds like the insurance company is trying to determine if you had other orthopedic problems before the accident and if so, maybe they want your health insurance to play a part of the cost if the complete cause of the problem isn’t clear.  

Whatever entity is paying for your care does have certain rights to make sure that they are paying only for the accident-related medical expenses

Sounds like a question for them to answer so ask them why or consult a lawyer or your insurance agent if it isn’t clear in your policy.

[SereneSeagull]

I don’t know, but bumping this cuz I think someone here might.