Understanding Independent Medical Examination.
31 million people suffer injuries annually just in the US. 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. However, you may be required to undergo an independent medical examination. If you have no idea what an IME is then this article will give you the answers you wanted. Insurance companies don’t like spending money which is why they usually dispute the case if they feel the settlement is too high. This is why an IME is important because it will ensure they own up to their responsibility.
The IME will be completed by a doctor who has no stake in the case. The medical reports will not just be accurate but also objective. This is meant to keep the compensation fair. In case the insurance company feels like the amount you are asking is too much an IME can be ordered. Remember that you can talk to your lawyer about requesting for an IME as well and not necessarily the insurance company and this will be essential if you have doubts on whether the first doctor was thorough in examining the injury or if there was a misdiagnosis. The party calling for the IME is allowed to pick the doctor who will complete the examination. Basically, the doctor who will be carrying out the examination will have to review your medical records and any document relevant to the case. 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. The presence of permanent disabilities will also be checked and if you will require any special accommodations if you go back to work. The medical exam is done per the protocol. On top of that, the doctor will have a look at your injuries and discuss your symptoms. Sometimes there may be a need for further tests for the situation to be understood better and this might also include x-rays and you can read on here.