Car accidents typically result in injuries, so the last thing you want is to have your treatment complicated by outside factors. Unfortunately, you might be required to undergo an “Independent” Medical Exam (IME) as part of your insurance claim. Despite its name, this exam is far from impartial. Insurance companies use the IME to protect their interests, not yours. Find out the truth about the Independent Medical Exam and why good legal support is your real ally in the fight for compensation.

The Misleading Term: “Independent” Medical Exam

The term “Independent Medical Exam” is a misnomer. Far from being impartial, these exams are orchestrated by insurance companies to serve their interests. The doctors conducting these exams are chosen and compensated by insurers, creating a clear conflict of interest. This setup turns the IME doctor into a “hired gun,” whose job is to deliver a report that aligns with the insurer’s goals.

Insurance companies often select doctors known for producing reports that downplay injuries or question whether injuries relate to the accident. Such evaluations can significantly affect your claim, potentially resulting in reduced compensation or outright denial of benefits.

The True Role of the IME Doctor

When you go for an Independent Medical Exam, remember that the IME doctor’s role is not to care for you. Unlike your regular doctor, their job is to find reasons to challenge your insurance claim. They might argue that your injuries aren’t as severe as you say, blame them on pre-existing conditions, or claim you don’t need more treatment. The IME doctor is there for the insurance company, not for you, which is necessary to understand as you navigate this process.

IME vs. Treating Physician: A Stark Contrast

The contrast between your treating physician and an IME doctor is significant. Your doctor knows you and is committed to your recovery, having treated you over time with personalized care. On the other hand, the IME doctor conducts a quick, impersonal exam, driven by the insurance company’s interests. This lack of personal connection makes it difficult, even in theory, for the IME to provide meaningful assistance, which explains why their testimony benefits the insurance company, even if they did not intend it.

Can You Refuse an IME?

Legally, refusing an IME can have serious consequences. Insurance policies often require these exams, and refusing them could cause you to lose your benefits. However, knowing how to handle an IME can lessen its negative impact. Be prepared, know your medical history, and be honest and concise during the exam to protect your interests.

Dealing With a Biased IME Report

A biased IME report can harm your claim, but there are ways to counter it. First, get a copy of the report and review it with your attorney. A lawyer experienced with IME reports can help identify inaccuracies and prepare a strong rebuttal.

Your treating physician’s detailed records and testimony can also provide a powerful counter-narrative to support your claim. These records, along with any consistent treatment notes and diagnoses, can serve as strong evidence of your injuries and the necessity of ongoing care.

You may also want to gather testimonies from other medical experts. A second opinion from unrelated medical professionals can help to cast doubt on what the IME claims.

Learn the Truth About the IME to Protect Your Rights

The Independent Medical Exam is designed to benefit insurance companies, not you. Understanding its true nature and preparing can help you navigate this challenge to your recovery. If you’re ever in doubt about what an IME uncovers, finding legal representation can be a big asset in pushing back against this narrative.

If you’ve been in a car accident and face an IME, contact us at Roberts Markland LLP for help. Reach out to us here or call 936-253-6182 to safeguard your interests and fight for the compensation you deserve.

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