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Does the insurance company have access to my hospital records if I do not give them consent?

Nobody should have access to your hospital records without consent, so I would hope that they do not. There’s something in federal law called the HIPAA law, which prohibits anybody that you do not give consent to have your medical records. So, certainly don’t give them the right to get your medical records. Go to a lawyer first. In fact, go to a lawyer as quickly as possible after an accident.