You may have to go through an independent medical examination as part of the insurance claims process. It is crucial to remember that the examiners are often people who have regularly worked for the insurance company. They are much more likely to reach conclusions that minimize the extent of your injuries or can be easily used by the other side to attempt to deny you any compensation.
The good news is you can dispute this report. You can also seek representation from a skilled Maryland personal injury attorney who can explain how to prepare for this exam and defend your rights once the exam is completed. Our attorneys at Peter T. Nicholl Law Offices are committed to protecting the rights of accident victims and will use our insight to assist you during the independent medical examination process.
Before you go to the independent medical exam (IME), it is important that you have a thorough understanding of what this exam is and is not. It is an exam that is intended to provide information to the insurance company. It is not an exam that is completed for treatment purposes. It is not a second opinion. The doctor may have an established relationship with the insurance company and may not be completely objective.
Before your exam, talk to your personal injury attorney. He or she may have specific tips about this process based on your particular situation. He or she may want you to emphasize certain information or remind you to provide information about symptoms you are having.
Your lawyer may even recommend not taking certain tests or having certain procedures conducted to avoid the insurance company going on a fishing expedition. He or she may also advise you not to mention certain information, such as the status of your case or communications with him or her. Your lawyer may also ask that you take notes after your evaluation.
Before the exam, consider the following information so that you will be able to report it at the time of your exam:
Be sure that you plan extra time for this appointment. The doctor may be late, and you may need time afterward to write notes. You do not want to rush through the exam or forget to mention important information to the examiner because you are preoccupied with time. You may also want to bring a friend with you to the exam who can serve as an independent witness of what happened and who can write notes on your behalf.
There are several things that your lawyer may tell you to do while the exam is underway, such as:
If you believe that the examination was unfair, discuss this with your lawyer so that he or she can explain its inaccuracy or brevity with your insurance adjuster. Point out any inaccuracies or incompleteness in the IME report. Collect medical reports from your own doctors that contradict the findings of the IME health care provider. You can also ask for information about the IME doctor’s credentials and relationship to the insurance company.
If you believe that the independent medical examiner’s report is not accurate, it is critical that you contact an experienced personal injury attorney for assistance. The attorneys at The Law Offices of Peter T. Nicholl can review your IME report and find ways to dispute it. We are prepared to negotiate for a fair settlement of your claim based on accurate information.