I have seen hundreds (maybe thousands) of people’s insurance claim files and the all have the same information, including your application forms, internal tracking and claim management sheets, claim management plans, internal notes, call notes, internal and external emails, surveillance records, medical records, correspondence, reports from internal medical reviewers and internal decisions about the claim. Insurance companies will normally share almost all of this stuff with you outside of litigation. During litigation you get everything.
You have a right to receive a copy of your file, but asking for it out of the blue may raise concerns about why you want it. It could trigger an audit and review of your claim which is not necessarily a bad thing, but could be a hassle for you.
Disability Lawyer with Resolute Legal
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