Partner
Insurance companies want to make certain that they’re only paying for what they absolutely have to. One of the ways they do this is by insisting that an accident victim undergo an independent medical examination, or IME, to confirm the nature and extent of their injuries. If you’ve been injured in an accident, there’s a good chance an insurer will ask you to undergo an independent medical examination.
What Happens in an Independent Medical Examination?
An independent medical examination is an evaluation of your injuries by a doctor other than the one supervising your treatment. The insurance company requesting the exam typically chooses the doctor. The exam itself may involve a physical examination of your injuries by your doctor, X-rays or other diagnostic tests, lab work, and other procedures. The tests you’ll go through depend on the nature of your injuries.
Why Do Insurance Companies Request Independent Medical Examinations?
Insurance companies say that independent medical examinations are necessary to prevent fraudulent claims. They argue that claimants may exaggerate their injuries to increase their compensation. Insurers may also request an independent medical exam to rule out the possibility of pre-existing conditions.
In practice, though, insurers ask for independent medical exams because they want to keep your compensation low. By having someone other than your doctor evaluate your injuries, they may have an easier time justifying a lower settlement amount or an outright claim denial. Since the insurance companies usually choose the doctors for independent medical exams, they can select someone they believe will give them their desired result.
Do You Have to Undergo an Independent Medical Examination?
In most cases, you must undergo an independent medical examination if an insurance company requests one. If you don’t, they will likely deny your claim on the grounds that you don’t have enough evidence to support it. That said, it’s always a good idea to talk to a lawyer before agreeing to an independent medical examination so they can review your situation.
What Happens After an Independent Medical Examination in a Personal Injury Case?
There are two likely outcomes to your independent medical examination, both of which can affect your personal injury claim. If the doctor who conducts the exam agrees with you and your doctor’s assessment of your injuries, your claim will proceed normally. The more likely option is that the second doctor’s report will undermine your claim, giving the insurance company cause to deny it or reduce your compensation. A skilled injury attorney can help you contest the results of an independent medical exam to protect your compensation.
Preparing for an Independent Medical Examination
Proper preparation is essential for protecting your personal injury claim if an insurance company requests an independent medical exam. Here’s what to do to prepare for your exam:
- Gather all your relevant medical records – The more evidence you have to support your claim, the more likely it is that the doctor conducting the exam will agree with your doctor’s evaluation of your injuries. Bring all the records related to your case, including doctor’s notes, X-rays, etc.
- Make a list of your injuries and symptoms – Leaving something out during an independent medical exam can undercut your claim. Make a thorough list of all your injuries and symptoms that you can refer to later.
- Talk to a lawyer – A personal injury lawyer can help you prepare for an independent medical examination by walking you through possible questions, making sure you have all your necessary records, and explaining what to say (or not say) to the doctor.
Contact a Syracuse Personal Injury Lawyer Now
The Syracuse injury attorneys at CDH Law PLLC have helped clients like you prepare for independent medical examinations. Call now or complete our contact form for a free consultation, and let us help you demand fair compensation for what you’ve suffered.