Insurance Wants an Independent Medical Exam (IME) – Should I Go?
If your insurance company requests an Independent Medical Exam (IME) after a car accident, it can be confusing and even a little intimidating. Whether you’re required to attend—and how it could impact your claim—depends on whose insurance is requesting the exam and what type of coverage you’re seeking.
When You May Be Required to Attend
Your own insurance company:
If you’re seeking benefits under your own policy, such as uninsured or underinsured motorist coverage, your insurance contract usually contains a cooperation clause.
This clause generally requires you to attend an IME if requested. Failing to comply could allow your insurance company to deny or reduce coverage.
The at-fault driver’s insurance company (third-party claims):
Typically, you are not required to attend an IME requested by the other party’s insurance company—unless it’s ordered by a court or part of the formal discovery process in a lawsuit.
What Happens at an IME
An IME is generally not invasive; it’s similar to a routine physical exam.
The insurance company’s doctor will evaluate your injuries and may write a report summarizing their findings.
The report could be neutral, in your favor, or less favorable—so preparation is key.
How an Attorney Can Help
Your attorney can prepare you in advance for what to expect and how to answer questions.
They can have a representative or independent witness present to ensure the exam is fair and professional.
Your attorney can also review the IME report and help address any statements that may be used against your claim.
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