If you’ve been injured in a car accident in Steamboat Springs or anywhere in Colorado, your insurance company may request an Independent Medical Exam (IME). While the name suggests neutrality, it’s important to understand the purpose—and how it could impact your personal injury claim.
What is an IME?
An Independent Medical Exam is a medical evaluation conducted by a doctor chosen by the insurance company not your own doctor. Often, insurers use IMEs to assess the severity of your injuries or to determinewhether your treatment is necessary.
Why Insurance Companies Request IMEs
From an insurer’s perspective, an IME is used to verify or challenge the extent of your injuries. If the IME doctor downplays your injuries or suggests they existed before the accident, the insurance company may use this to reduce or deny your claim.
What Happens During an IME?
Typically, the insurance company will provide you with a list of doctors they trust. You’ll schedule an appointment, and the doctor will perform a physical exam and review your medical records. Be prepared: the exam is often brief, and the doctor may not have a personal relationship with you.
How an IME Affects Your Case
If the IME supports the insurance company’s view, it can significantly reduce the amount they offer. That’s why it’s critical to have an experienced personal injury attorney by your side. At Brown Law Firm, we help ensure you’re prepared, that the doctor’s exam is fair, and that your case isn’t derailed by a biased evaluation.
Steps to Take After an IME
After the exam, your attorney can request a copy of the report and ensure it’s thoroughly reviewed. If you feel the IME was unfair or incomplete, your attorney can challenge the findings by requesting another expert or introducing additional evidence.
Why Choose Brown Law Firm in Steamboat Springs?
We know how daunting the insurance process can be. At Brown Law Firm, we level the playing field helping you get the full compensation you deserve after a serious car accident. If you’ve been asked to attend an IME, contact us today for a free consultation so we can protect your rights and your future.
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