Have you recently been injured? If so, the last thing you want to do is gamble with an insurance company on your claim for reimbursement of medical expenses. But rest assured – the insurance company will try to stack the deck in their favor. And just like at the casino, if you don’t know the rules, the house is always going to win.
An insurer may require the injured person to attend an Independent Medical Examination (IME) after a lawsuit is filed in court. However, the medical examination is anything but “Independent.” The insurance company selects the doctor of their choice and pays for the examination. As a result, the examination is commonly referred to as an Insurance Medical Examination by attorneys, representing injured victims. Anyone who chooses to go to one of these “exams” without first taking the proper steps to protect their rights does so at their own risk.
When you are making a claim for medical care and costs, the insurance company can require you to undergo an examination by a doctor of their choosing to verify the extent of your injuries. It is important to remember that this doctor is being paid by the insurance company and will testify against the injured party in Court. The best interests and medical health of the injured party are not their list as a top priority. If their “hand-picked” doctor can blame your need of medical care or disability from work on another injury or a preexisting condition, then the insurance company will refuse to pay for treatment or settle the case for the compensation you deserve.
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