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I’ve Been Told I Need To Have an IME to examine and evaluate my injuries. What is it?
What Is An IME ?
IME is a defense insurance claim term that stands for insurance medical exam, or independent medical exam. The legal definition for an IME is a medical exam performed by a physician selected by the defense insurer and paid for by the defense insurer in order to examine and evaluate your injuries. If your claim includes psychological damage, this exam will take that into account and incorporate a psychological assessment along with a physical exam of your bodily injuries.
How Is An IME Doctor Chosen?
An independent medical exam is supposed to be performed by a neutral physician who should be without ties to either party involved in the accident or either insurance company defending those two parties. However, this is rarely the case, since the intent of an IME is to deny a person’s medical claims entirely by having a doctor write a report stating the claimant is faking their pain and suffering or that the claimant’s treatment is unjustified and should be discontinued. This is accomplished by insurance companies keeping doctors on their payroll and paying them thousands of dollars to protect their assets and destroy your personal injury legal right to ask for compensated for your injuries.
To receive a medical assessment without prejudice in regard to what medical treatment you need, whether you have a permanent impairment or to what degree your ability to work in the future is, too often the doctor performing your IME is working only to greatly reduce your settlement amount.
If you have been injured in an accident and have been told that you need to have an independent medical exam and have not yet sought legal representation, it is critical and vitally important at this juncture that you secure a skilled and experienced accident attorney to protect your legal rights and fight to ensure you receive full maximum compensation for your pain and suffering and full payment coverage for all medical bills and any loss of earnings and property.
What Are The IME Laws in Georgia ?
In the state of Georgia, the defense insurance company has the right to request that you submit to an IME. Because there are solid reasons to believe the IME doctor examining you will not be impartial and is generally monetarily motivated through payment received from the defense insurance company to work against your best interest and make light of your injuries and undercut the severity of your medical condition, before you undergo an independent medical examination, you should speak first with an accident attorney.
If you have been injured in an accident and have been told you need to have an independent medical exam and have not yet sought legal representation, it is critically important that you secure a skilled and experienced accident attorney to protect your legal rights and fight to ensure you receive full maximum compensation payment for all your pain, suffering, medical bills and any loss of earnings and property
If you were hurt on the job and filed a worker’s compensation claim and subsequently were asked to take an independent medical exam, you should know that in the state of Georgia, your employer has the right to select the examining physician. In worker’s compensation cases where an employee’s impairment and injuries are not minor, when an IME is requested there is good cause to think your employer may be looking for ways to diminish the severity of your injuries and significantly reduce your compensation settlement.
Before you submit to undergo an IME, in order to protect your legal rights throughout the process of settling your claim and to ensure you receive full maximum compensation for your loss of earnings and to cover payment for all your medical bills, you should first consult with an experienced accident attorney.
What Do I Need To Do ?
If you have been injured in an accident, the first thing is have your injuries seen and treated by a doctor. Whether you were transported to the nearest hospital emergency department or you visited a doctor on your own, keep in mind that in certain instances, after a car accident or a slip or a fall, our bodily injuries aren’t immediately apparent and may only become painful after a few days have passed. In these kinds of cases, it is vitally important to have your injuries and complaints evaluated by a physician as quickly as possible from the date of your accident.
Your responsibility after that is to follow the doctor’s orders and complete the course of treatment as provided by your doctor. In the meantime your insurance company will request and review all medical records related to your sustained injuries. In some situations, the insurance company defending the other party involved in your accident may ask for you to have an IME.
If an IME is requested by the defense insurance company, it generally indicates that the findings of your doctor are being challenged and any dispute in regard to the seriousness of your injuries could compromise the amount of your settlement payment. Typically an independent medical exam may also be requested in worker compensation claims that involve a permanent disability or long-term impairments or if there is a dispute over your medical diagnosis or your medical prognosis or your medical treatment decision as provided by the original treating doctor.
If you have been injured in an accident and have been asked to have an independent medical exam and have not yet sought legal representation, it would be recommended and highly beneficial to secure a skilled attorney who will protect your legal rights and fight to ensure you receive full maximum compensation for your pain and suffering and full payment coverage for all your medical bills and any loss of earnings and property.
If you have been injured in an accident, before you speak to any insurance adjuster, before you settle your claim with any insurance company, Contact a Knowledgeable Atlanta Accident Attorney.
If you were injured on the job and have filed a worker’s compensation claim, before you accept settlement on your claim, Contact a Knowledgeable Atlanta Car Accident Attorney experienced in work related compensation claims.
Kim Injury Law, P.C. is experienced handling every type of accident circumstance and will be there to advise you and move your settlement forward to full maximum compensation.
For a FREE case evaluation, Contact our legal team today. Call (404) 542-3600