Your medical records are the official, objective proof of your injuries and the treatment you received. They directly connect the accident to your physical harm, document the severity and progression of your condition, and establish the necessity of all related medical care. Insurance companies and courts rely on these records to verify your claim. Without detailed, consistent medical documentation, it becomes extremely difficult to prove the extent of your damages and recover full compensation.

Obtaining a copy ensures you have an accurate record for your claim. You can verify the information is correct and address any errors or omissions immediately. This report is often the first document an insurance adjuster requests. Having it allows you and your representative to understand the official narrative from the start, which is crucial for building a strong case and negotiating a fair settlement.

Saying no means proceeding to trial, which carries significant uncertainty. Juries are unpredictable. You risk getting nothing or a lower award. Also, consider the additional time (often years), stress, and upfront costs of a trial. If you lose, you typically owe nothing, but you also recover nothing. The settlement offer provides guaranteed, immediate closure, which has substantial value you must factor in.