Medical Reports

Why are medical reports obtained?

In managing a personal injury claim, the Insurance Commission relies on medical reports from treating doctors, specialists and medical consultants. This is why we ask you to complete a medical authority. Medical reports and updates are obtained on a regular basis in order to:

• Establish the nature and extent of injuries sustained.
• Allow for consideration of interim payment of medical and allied costs, including payment for loss of capacity to earn an income.
• Monitor progress towards recovery.
• Determine the extent of any residual/permanent disability resulting from the injuries sustained in the crash.

On occasions, we may require an independent medical opinion from a doctor of our choice in accordance with S30(i) of the Motor Vehicle (Third Party Insurance) Act 1943. The Insurance Commission utilises the services of varied medical specialists to provide independent medical opinions. These medical specialists are not contracted to the Insurance Commission in any way.

The costs of the review and subsequent report is met by us. A copy of the reviewing doctor's medical report is always provided to the treating medical practitioner and legal adviser, if any. Reasonable costs incurred by you for attending such reviews are also considered by the Insurance Commission.