Who may request medical records with authorization in a personal injury/insurance context?

• A. Neighbor
• B. Claims adjuster
• C. Hair stylist
• D. Random person

Answer: (B)

The main idea here is that releasing medical information requires a legitimate purpose and patient consent. In a personal injury or insurance claim, the entity that handles the claim for the insurer—the claims adjuster—has a standard, legitimate reason to review medical records to verify treatment, causation, and damage amounts. With the patient’s authorization, the adjuster can request and obtain those records to evaluate and settle the claim.

A neighbor, hair stylist, or random person has no legitimate role in the claim process, so they wouldn’t be appropriate recipients of medical records, even with authorization, unless the patient explicitly designates them to receive the records.