I’m Being Sent to an IME, Now What?

“Independent Medical Examinations” are a part of lots of different types of insurance claims, including auto no-fault claims and worker’s compensation claims.  These are one-time examinations performed by “independent” doctors hired by the insurance company.  The doctor will examine the injured party and write a report commenting on things like diagnosis, the need for functional restrictions, and whether the injuries are related to the auto accident or work injury in question.  Insurance companies pay these doctors in hopes of finding an excuse to deny a claim or reduce what they’re paying on a claim.

Going to one of these exams as an injured party can be daunting.  People are often nervous and don’t know how to interact with the doctor, or even whether they’re required to go.  There are a few important things to consider if you are sent to an independent medical examination.  First, you are typically required to go if you want your claim to continue to be paid.  Most laws allow insurance to suspend benefits for a person who refuses to submit to an exam.  Second, honesty is the best policy.  Many folks think they can get ahead by exaggerating their symptoms.  This is not the case.  It is exactly what the doctors are looking for, and they can tell when a person is doing it.  Finally, in these examinations, just like in life, the old adage “you catch more flies with honey” applies.  I have seen it in my own practice, people who are friendly and kind to the independent examiner tend to get a report that is more favorable to them.  Remember, these doctors aren’t robots (although some of them may act like it!).  They are people like you and me, and if they can empathize with a person, they are more likely to support them.

The experts at Bolhouse, Hofstee & McLean, P.C. know how to fight for injured claimants and maneuver these claims strategically.  If you’ve been injured, call today for a free consultation.

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