Understanding Independent Medical Examination.
Injuries are happening all over the US every year with 31 million people estimated to have been injured. Two million of those affected will have to be seen by a doctor. In case you have an injury determine whether it could have been avoided if someone else was not negligent. Be it a personal injury, slip-and-fall or even a car accident injury, if someone else was responsible you should be asking for compensation. Nonetheless, you should be prepared for an independent medical examination to support your case. If you are wondering what an IME is them you should keep on reading to get the answers you are looking for. Rarely will an insurance company agree to pay the compensation you have asked for especially if it is high which is why they always dispute. This is why an IME is important because it will ensure they own up to their responsibility.
IME is conducted by a neutral doctor who will not favor either party. The medical reports will not just be accurate but also objective. Therefore, the agreement that will be reached will be fair in terms of the amount of money you will get in terms of the settlement. An IME will be brought up mostly when the insurance company has to agree on the amount you are asking for. It is not just the insurance that can ask for the IME but you and the lawyer representing you can ask for the same too especially if you feel the diagnosis given wasn’t correct or when you feel there is a need for an in-depth medical examination. The side that asks for the IME gets to pick the doctor to do that. Apart from the previous medical report, the doctor will also have a look at the other documents you have presented. The insurance company is free to present more questions they need the doctor to clarify so that they can get a good grip of the situation.
The insurance companies may require the doctor to ascertain that the injuries you had suffered can from the accident and if the first diagnosis was correct. On top of that, the doctor will determine whether you require more tests and treatments and if you are able to resume your work. Permanent disabilities caused by the accident can also be determined by the doctor and if there are accommodations you will need should you go back to work. The medical exam will not be any different. Consequently, the examining doctor will explore the injuries sustained and talk to you about the symptoms. More tests can be ordered including x-rays to get a better perspective of the injuries you have sustained.
Supporting reference: Continue Reading