When people are injured in accidents, they need immediate medical attention. A doctor’s diagnosis and notes form the basis for making a claim for reimbursement in these circumstances, so it is important to visit a doctor that will provide treatment that meets your needs. You are free to go to a physician of your choice, or a specialist referred by your family doctor. But, when you make a claim for repayment, expect the insurance company for the negligent party to ask that you see a doctor of their choosing. This is referred to as an independent medical exam (IME), and is a common component of personal injury cases.
The reason for being asked to submit to an IME is that the insurance company is trying to assure itself your injuries are as you claim. IME’s are frequently requested in cases where the injury happened on the job. Some of the requirements for the IME are:
- That it be performed by a physician, or other approved medical care provider.
- That the person performing the IME has training or a basic skill level in the type of injuries you have sustained.
You are entitled to receive a copy of the IME report, and your attorney will want to have your own physician review its contents. When asked to go to an IME it is important to be honest, show up on time, and fully explain how you have been hurt. Try to keep your answers short, while making sure to give complete answers to any questions asked. If possible, take a friend with you, as their observations can be helpful. Keep track of how long the doctor spends with you, and of any comments made about your condition. If you find inaccurate information in the report, be sure it is timely brought to the attention of the insurance adjuster. Going to an IME doesn’t have to be a frightening experience, and we make sure you are prepared for the exam. Call our office before agreeing to an IME visit, we can give you tips and help put you at ease.
If you have been hurt in an accident and have been asked to go to an independent medical exam, call our office to learn more. Let an experienced attorney help you figure what is best for you. Call a Bloomington, Minnesota personal injury attorney today.