A forklift backing out of a trailer at a Sunset Park warehouse pins you against the loading dock. Your pelvis and right leg are crushed. You wake up at NYU Langone Hospital in Brooklyn facing multiple surgeries, months of rehab, and a future you can't picture yet. Within days, an insurance adjuster mails you a friendly packet of forms — and buried inside is a blanket medical authorization asking you to release your entire medical history. Signing that form is one of the most