A person injured in a car accident has a right to have at least $15,000 in medical expenses paid by their auto insurance under the Personal Injury Protection (PIP) coverage if they have an Oregon auto insurance policy. Unfortunately, some PIP adjusters try to cut the insurance company’s obligation to the injured person short by way of an Insurer Medical Exam (IME). These exams are often deceptively billed as “Independent” Medical Exams. They are anything but independent.
An IME is an opportunity for the PIP insurer to gather evidence for a denial of payment of further medical expenses. IME doctors are paid by the insurance company, and many of them forgo the practice of medicine on patients in favor of the lucrative business of writing reports for insurance companies. An injured person should not assume that an IME doctor is impartial or is on their side.
It is important to know when you must attend an IME and when you are better off declining the exam. This decision should be made on a case by case basis and should be made with the help of a knowledgeable attorney. In many cases an IME notice is the thing that should trigger an injured person to consult with an attorney. If you have received an IME notice give me a call to discuss it. – Brad Larson