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Pre-Existing Health Conditions and Toronto Injury Claims

You do not have to voluntarily disclose your pre-existing conditions to the insurance company. If the insurance company is asking for access to your medical records, talk to your lawyer at the. A lawyer in Toronto can evaluate what you should share and can manage communications with the insurer on your behalf.

Be aware, though, that just because you have a preexisting medical condition, such as a bad back or even a previously unknown degenerative condition, it does not mean you cannot recover compensation for your injuries. Even if you aggravated a preexisting condition, you may still recover compensation for your new injuries.

Risks of Sharing Too Much Information

An individual should never lie to an insurance company, and concealing medical information related to the injury may seriously hurt an individual’s claim. However, an individual is not obligated to voluntarily disclose all of their medical information to the insurance company. The insurance company is entitled to medical records related to an individual’s injuries, but they do not have to share their entire medical history.

Never give a recorded statement to the insurance company or agree to sign any documents, including a medical release form, without first asking a lawyer to review them. If the insurance company makes repeated or vexatious requests for an individual’s records, they should direct them to their lawyer.

Preexisting Conditions Do Not Bar From Compensation

An unrelated preexisting condition should have no effect on an individual’s current injury claim. For example, if someone suffered a neck injury five years ago and their most recent accident caused fractures in their lower extremities, their previous neck injury should have no effect on their current claim.

If an individual’s preexisting condition is related to their new injuries it may affect their claim, but it does not bar them from recovering compensation. For example, if an individual’s most recent accident aggravated their old neck injury, they can still recover compensation for the aggravation and worsening of their old injury.

Before an individual accepts an insurance company’s settlement offer, they should review their case with a lawyer to better understand if and how their preexisting condition may affect their current injury claim. A lawyer will make sure they have the supporting medical evidence to prove the existence of any injuries, and the value of the claim for such injuries.

Contact a Lawyer

Insurance companies may take various positions in order to reduce your settlement or deny your claim altogether. A common position taken by insurers may be to blame injuries from your recent accident on a preexisting condition.

Never let the insurance company force you into accepting a settlement and do not agree to any settlement offer without having a lawyer review it first. A lawyer will deal with the insurance company and help you collect the medical evidence you need to prove your injuries are not preexisting or that your current injuries worsened your preexisting injuries.

Call us now at

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

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