When you file a claim for compensation following a car crash, you have to prove the negligent driver’s fault in causing the accident and the severity of your injuries. The insurance company will investigate your claim and look for information that it can use to deny or reduce your claim. One of the ways that it may try to do this is to request that you submit to an independent medical examination.
What You Should Know About Independent Medical Exams
An independent medical exam is a medical examination performed by a doctor at the request of the insurance company. It is also known as a compulsory medical exam because it is not independent nor is it voluntary. There is a good likelihood that the negligent driver’s insurance company will request that you submit to one if your claim is disputed. Here are some important points to keep in mind about these exams:
- The insurance company requesting a compulsory medical exam gets to pick the doctor performing the exam and is responsible for paying for it.
- You may not be required to submit to an independent medical exam unless you file a civil lawsuit. As part of the litigation process, the insurance company can most likely require you to submit to this exam.
- If you file a claim under your uninsured or underinsured motorist coverage, your insurance company may require you to submit to this type of medical exam. You may be obligated to agree to this under the terms of your insurance policy.
- You need to remember that the doctor for the insurance company is not your friend. He is paid by the insurance company and is looking for ways to minimize your injuries.
- You should come to the compulsory medical exam prepared to answer questions about treatments that you have received and how your injury has limited your ability to work and do other activities.
You should never agree to an independent medical examination or other request of the insurance company without first consulting with an experienced car accident attorney. Start learning about your legal options and pitfalls to avoid when filing your claim. Call our office today to schedule your free consultation.