Insurance Company Independent Medical Examination
Workers compensation insurance carriers auto insurance carriers and self insured employers have a legal right to this request.
Insurance company independent medical examination. What to do if the insurance company schedules an independent medical examination in a workers compensation case. This process is referred to as an independent medical. Are you surprised that most often the insurance company doctor offers opinions favorable to the insurance. 7031 koll center pkwy pleasanton ca 94566 if you re making a personal injury claim you could be required to submit to an independent medical examination ime if your own insurer like your car insurance company requests it or if you file a personal injury lawsuit.
In some circumstances insurance companies are permitted to require a person seeking statutory accident benefits to undergo an independent medical examination. To do this it may order an examination with an allegedly independent doctor. Sadly the purpose is to create a medical excuse for an insurer to avoid paying on a valid claim. When a policy holder makes a claim for personal injuries with an insurance company the insurer may have a right to order an independent medical examination.
So it s important to know how they work and what you can do to counter an ime report that goes against your claim or benefits. After an accident the insurance needs to investigate your claim and injuries. These doctors can make vast sums of money performing these one time exams. In other circumstances insurance companies demand an examination simply to delay paying what they owe or as a trap for the unwary patient so the insurer can avoid paying altogether.
The outcome of these exams called independent medical examinations imes in most states can significantly affect your workers comp case and how much you ll receive in benefits. Imes are an independent evaluation of your medical condition conducted by a medical professional. Although imes are intended to be independent and without bias it is essential to know whether the examiner is evaluating you on the behalf of your lawyer or the insurance company. An independent medical examination ime exam is neither independent nor medical the doctor is selected by an insurance company.
Doctors are paid handsomely for providing this service. What is an independent medical exam ime. In our experience these exams are often anything but independent some insurance companies hire the same doctors over and over again to conduct examinations. If you have filed a workers compensation claim because of a work related injury or illness at some point the workers compensation insurance company might require you to be examined by a physician of its choice.
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