SO I was in an accident... i passed out behind the wheel and wrecked. For some reason, maybe because i'm older the cop thought I had a medical emergency and called an ambulance and sent me to the hospital without any charges. My labs from the hospital came back with an opiate in my system. It is over a week later and I still have not been charged with anything and my insurance company wants me to sign a HIPA release so they can get the medical records from the accident when I went to the hospital. I didn't have any injuries, just tests and one night for observation. If I sign the HIPA release the insurance co. will know I had an opiate and even though I didn't get a DUI they will most likely jack my rates. Am I better off just denying the HIPA request and telling them I will pay the hospital bill myself? what will the insurance co. do if I refuse? what can they do? I just don't see any benefit except getting a few grand to out towards my hospital bill, seems like it will hurt me more in the long run if I comply.